• If you live in a no-fault state, you’ll file a claim with your own insurance company, and it will review your claim and provide the payout.
Even when things go relatively smoothly, it can be a bit confusing and somewhat of an emotional roller coaster. Again, this is another place where I can help. Having helped many clients navigate the claims process, I’m an expert and am always here to answer any questions that may come up along the way.
Whose Coverage Covers You?
There are some cases in which you have options on whether to file with your insurance under your collision coverage or with the other driver’s insurance under their liability coverage. If you choose to file with your insurance, you’ll get paid regardless of who’s at fault. The upside is that you’ll usually get paid more quickly this way. The downside is that you’ll have to pay your deductible and your premium may go up. However, in an at-fault state, if your insurance company determines the other driver caused the accident, either completely or in part, your insurer may get reimbursed by the other driver’s insurance. This is called subrogation. If this happens, be sure to ask if your deductible can be reimbursed, as well — this will depend on the insurance company and the coverage. In an at-fault state, if you decide to file your claim with the other driver’s insurance, it’s quite possible you won’t have to pay for a deductible, although not guaranteed. However, if they determine you’re fully or partly at fault, the subrogation process will happen here, too — this time with their company being reimbursed by
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