What Does Auto Insurance Pay For?

Re-posted on 3/9/20

There you are, minding your own business, obeying the laws of traffic when CRUNCH, someone runs into your vehicle. What should have been a lovely drive home from work has just turned into a massive inconvenience.

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RePost - I Was In an Auto Accident! What Am I Owed?

Hopefully the accident is just a little fender bender; your car will be in the shop for a day or two, and then life as you know it will return to normal. But what if that’s not the case? What if the damage to your vehicle, or even to you or your passengers, is more extensive than that?

Who Pays For Repairs?

It’s the job of the at-fault party’s insurer to indemnify you, or to make you whole again. Basically, you have a right to be compensated by their auto insurance company for any loss that was incurred, up to the insured’s policy limits. Obviously, that means that your vehicle will either be returned to pre-accident condition or you’ll be given a check in the amount of its market value. It also means that any hospital costs or therapy bills incurred by you or your passengers would be covered, again up to their policy limits, as well as lost wages and damage to personal property. If you will be without your vehicle, you are also entitled to a rental car.

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If you’ve recently been in an accident, contact your auto insurance agent to ensure that you are fairly compensated for damages and repairs.

Related Articles:

At Fault – If You Caused an Auto Accident

How Many Claims Before Auto Insurance Cancels Your Policy?

Auto Insurance Word of the Day: Subrogation

After an Auto Accident – What Happens When You Need To Sue?

Read More: Auto Insurance in Las Vegas, Nevada

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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