Who pays to fix my car after an accident?

Ultimately, it is the person who caused the accident that is responsible for the cost of repairing your vehicle. When the at-fault party’s insurance company accepts liability for the accident, they will work with you to get an appraisal of the damage, determine repair costs, and discuss with you where the vehicle can be taken for the repairs. If the repairs would cost more that the vehicle is worth, the insurance company will determine your vehicle is totaled and will discuss the transfer of title, so you may be paid for the objective value of your vehicle. Sometimes when there is a delay in locating insurance for the at-fault party, or liability is not accepted right away, you may need to pay for your repairs initially and then seek reimbursement for your expenses. If you carry collision coverage on your own insurance policy, your insurance company can bear these expenses for you, subject to any deductible on your policy, and your insurance company will seek reimbursement from the at-fault party or their insurance company. Given every case can be different, an experienced attorney with the Ruth Law Team would be happy to answer specific questions regarding your property damage claim.