{"id":227,"date":"2017-02-02T10:04:35","date_gmt":"2017-02-02T14:04:35","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=227"},"modified":"2017-02-01T10:12:12","modified_gmt":"2017-02-01T14:12:12","slug":"whose-auto-insurance-pays-accident","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/whose-auto-insurance-pays-accident\/","title":{"rendered":"Whose Auto Insurance Pays After an Accident?"},"content":{"rendered":"

Paying attention to details is always important, especially when auto insurance is the topic at hand. Each policy is different, but personal auto insurance typically covers a car and the driver when most auto accidents occur. <\/span><\/p>\n

From a crash to theft, you\u2019ll often find coverage with the personal policy. The type of accident or incident and who is at fault will also play a role in how coverage is dispersed.<\/p>\n

 <\/p>\n

Who Pays After an Accident?<\/b><\/p>\n

<\/b>While there is a <\/span>rule of thumb<\/span><\/a> regarding who pays after a car insurance accident, the truth is \u2013 it depends on a variety of factors. Sometimes people pay for the repairs out of pocket. <\/span><\/p>\n

In certain instances, each party\u2019s insurance carrier pays for the repairs of their cars. However, most of the time, one driver is at fault for the accident. In these cases, the individual who is at fault will be held responsible. Their insurance will cover the damages on the victim\u2019s car.<\/p>\n

 <\/p>\n

It\u2019s Not That Easy<\/b><\/p>\n

When you claim that someone else is at fault for an auto accident, you typically have to have some proof. If you don’t, then the other insurance company can deny the claim and all responsibility.<\/p>\n

For instance, your claim could get denied because the driver was responsible, but not negligent when the crash occurred. This means the individual could have had a medical emergency while driving or swerved out of the way to avoid hitting an animal.<\/p>\n

If you were in a car accident that wasn’t your fault, but you end up paying a deductible to get your car fixed \u2013 then you can take the person responsible to court and sue them. Just remember that you’ll have to show some proof in the courtroom to win, too.<\/p>\n

 <\/p>\n

Things to Do After an Accident<\/b><\/p>\n

If you\u2019ve been in an auto accident, there are a few things you need to do immediately. If you don\u2019t do these things, you could end up hurting yourself in the long run.<\/p>\n

First, gather all the necessary contact information from the other party. This includes:<\/span><\/p>\n

 <\/p>\n

 <\/p>\n