your car. However, if there’s an option for new parts and you’d prefer those, you can pay the difference. This is called a betterment charge. 6. If the other driver was at fault in an at-fault state, you’ll get money from their insurance company (provided they’re insured, of course). • Before you accept a payment, talk to your doctor about the extent of your injuries. Also consider talking with a lawyer. • If the accident isn’t a clear at-fault issue, it’s possible you’ll have to go to court to prove the other driver caused it. 7. If you live in a no-fault state, you’ll file a claimwith 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
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