IF OTHER DRIVER IS AT FAULT, CAN YOUR INSURANCE STILL PAY?

This issues confuses many people after a car accident. The basis answer is yes, your auto insurance can pay even if the other car was totally at fault and the driver admits it. First, it depends on whether you have “full coverage.” In other words, does your policy have collision coverage? If you do have that full coverage, you can have your insurance pay even if the other car was completely at fault.

Making this type of claim does not make your insurance rates go up if you were not at fault. In fact, if the other driver has insurance, your insurance will get their money back from them. In addition, any deductible you pay will be refunded to you. Therefore, you really have a choice. You can go through the other driver’s insurance or your own insurance – whichever is more convenient. This can be especially helpful if your car is totaled. In that scenerio, you can negotiate with both insurance companies and take the best offer.

What about your medical bills if the other driver was at fault? Your auto insurance is almost always required to may your accident medical bills, regardless of fault. In fact, that is the reason Minnesota is called a No-Fault state. No-Fault just has to do with who pays your initial medical bills. However, it still matters which driver was at fault. For one thing, you may have a case against the other driver for pain and suffering. But, that is only true if the other driver was at fault.

CAR ACCIDENT LAWYERS MN

If you were injured in a car accident, you will likely have questions. In particular, the insurance issues can be complicated. David and Pam Rochlin have helped hundreds of car accident victims and their families throughout Minnesota. We are a family owned business with 25 years’ experience and significant resources.

When you call our office, the initial consultation is free. You will speak directly with a lawyer who will answer your questions. If we take your case, there is no upfront fee and we only charge a percentage of what you receive.