Can I choose where my car is repaired after an accident?

Remember it is your vehicle and you can choose who repairs it. Many insurers have networks of their ”approved” repairers, they may try and convince you to have your car repaired where they choose remember this is for their convenience not yours.

Do I pay insurance excess if not my fault?

When you won’t pay an excess That’s because your losses aren’t covered and, when someone claims against you, your insurer covers it. If you’re found not to be at fault, your insurer claims the excess back from the at-fault party’s insurer, along with other costs.

Do I pay deductible if not at fault?

You do not have to pay a car insurance deductible if you are not at fault in a car accident. The at-fault driver’s liability insurance will usually cover your expenses after an accident, but you may want to use your own coverage, in which case you will likely have to pay a deductible.

Can I insist on having my car repaired?

You have the right to choose the repair shop you want to use. You’re entitled to have your vehicle repaired to its pre-accident condition. By law, you’re only required to obtain one repair estimate.

Will my premium go up if I am not at fault?

Generally, a no-fault accident won’t cause your car insurance rates to rise. This is because the at-fault party’s insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesn’t need to fork out money, your premiums won’t go up.

Do I have to pay the other person deductible?

When You Are Not Required to Pay Your Car Insurance Deductible. In most cases, you do not have to pay your deductible if another insured driver hits you. The other driver’s liability insurance should pay for your repairs.

Should I talk to the other driver’s insurance company after an accident?

Many experts would advise you against speaking with the other person’s insurance company. While you do need to call your own car insurance company to report the accident, you are under no obligation to talk to the other driver’s insurance carrier.

Can I file a claim with someone else’s insurance company?

In no-fault states, however, regardless of who is determined to have caused the accident, you’d file a claim with your own insurance company. Filing a claim with someone else’s insurance company is called a third-party claim. A claim with your own insurance provider is a first-party claim.

Can I sue the insurance company after a car accident?

However, youcannot sue the insurance company directly. You have to sue the other driver. And, when you sue the other driver, the insurance company will hire an attorney to represent and defend the other driver against your lawsuit.

Can I claim the same damage from two different insurance companies?

You cannot claim the same damage, this is fraud as the basis of any insurance is to bring you back to the state before accident, and not gain profit. However, you may insure a car with one company and your personal effects with a second company. Now if the car was lost (let ua say burnt) – you may claim each loss from the respective company.