You get into a non-fatal car accident, thankfully. With both parties from both vehicles relatively unscathed there is only one problem now that remains. Who foots the bill? This depends largely on who is at fault and who has (or doesn’t have) insurance.
If Another Driver Caused the Accident
If another driver caused the accident, he/she is liable for the damages on your vehicle. If the other driver has insurance, the situation is relatively easy as the other driver’s insurance company will most likely pay for your vehicle’s repairs. However, the situation can become complicated if the driver who caused the accident doesn’t have insurance or if his insurance coverage is not adequate. Here are some of the scenarios that can happen.
Other Driver Has Insurance
Most states require drivers to have liability insurance and property damage liability insurance. Liability insurance covers damages that the owner of the policy is liable for (i.e. your vehicle). If the other driver has insurance they most likely will have liability insurance. If that is the case, the insurance company will have to determine if it the person they insured (the other driver) is really at fault. If findings come out and the insured is liable, the insurance company will pay for your vehicle. If you happen to be in the Las Vegas area and looking for auto body repair, Las Vegas NV has a lot of good repair shops.
The Other Driver Doesn’t Have Insurance But You do
So what if the other driver doesn’t have insurance or he does but his insurance company feels that their insured is not liable for that vehicular accident. You better hope you have collision coverage. Having collision coverage means the insurance company will pay for the repairs on your car regardless of who caused the accident. All you will have to do is pay the deductible and your insurance company will cover everything else.
None of You Have Insurance
Well, this basically means you’re screwed. Just kidding, you’re only a little screwed. You and the other driver could settle this among-st yourselves, hopefully he/she will offer to shoulder the expense or at least split it. If the other driver doesn’t want to pay up you can press charges. Then again, if the other driver has no means of paying you back, you’re still going to end up paying for your repairs regardless. Now that you’re going to have to pay your repairs out of your own pocket you might want to canvas for auto repair shops on the cheap. Luckily if you’re looking for a cheap auto body shop Henderson NV has a lot of them.
If You Caused the Accident
If you caused the accident but you have insurance, the insurance company will cover the repairs on the other person’s car. Your car will only be covered if you have collision coverage. Otherwise you’re going to have to pay for your own repairs. If it’s just a small scratch there are a lot of places where you can get cheap auto body paint Henderson NV has a lot of these small shops.