Depending on the circumstances of your accident, you will be able to recover losses from the following sources.
Liability Coverage Under the Other Driver’s Insurance – If the other person’s insurance company accepts that their driver was responsible for your accident, they will normally pay a standard amount for you to have your car repaired. Unfortunately, most insurance companies aren’t known for their timeliness. This means you could be left without a car for days or even weeks as the insurance company determines fault, damages, and how much they are willing to pay. Beyond that, the insurer may try to low-ball your payout.
Collision Coverage Under Your Insurance – In situations in which the adverse driver is uninsured or underinsured, you will likely have to file your claim through your own insurance. In such situations, your deductible will likely be lowered or even waived provided you have uninsured and underinsured driver coverage. A major benefit of dealing with your own insurer is that they are much more likely to want to help than the adverse driver’s insurer and will be faster at getting your claim resolved.
Whether filing through your own insurance or through the insurance of another driver, it in your best interest to consult with an attorney. This is because the adverse driver or their insurer may try to contest liability after the accident has occurred. Having an attorney on your side can help ensure that the events leading up to your accident are factually represented.