Whose auto insurance company pays for the damages?

On Behalf of | Feb 18, 2020 | motor vehicle accidents

When drivers get into a car crash, they tend to have very strong opinions about who was wrong. Very few people are willing to admit fault, especially when their insurance premium and driving record might be on the line. This can complicate an already complex situation of deciding whose insurance company should pay for the damages. 

NerdWallet explains how coverage works when the other driver is deemed to be at fault. Damage to your vehicle and the repairs to resolve this would get covered by the other driver’s insurance company. The insurance company might not pay for all damages. Instead, it pays up to the limit determined by the driver’s insurance policy. 

The other driver’s bodily injury liability coverage would also pay for medical bills related to you and your passengers’ injuries. Not that this type of insurance is mandatory in most states. Only 12 no-fault states require personal injury protection instead. In this case, your insurance would pay the bill. Georgia is not a no-fault state. 

Unfortunately, even in states without no-fault laws, there are other instances when your insurance company may end up footing the bill for an accident that was not your fault. One such instance is if the other driver is underinsured or uninsured. Unlike almost half of the other U.S. states, Georgia does not make uninsured protection as a mandatory inclusion in your insurance policy. 

Double-check with your insurance company to see if this was added to your policy. Otherwise, you might end up paying the related bills on your own. If you are injured and have health insurance, your insurance company may cover some or all of the costs related to your injury. This also depends on the policy you chose.