Normally, the party that was responsible for a given accident stands liable for coverage of such expenses, those that stemmed from the car repair bills.
Some states mandate the nature of monetary resources for those car owners that must pay for vehicle repairs.
In certain states, a vehicle owner must buy liability insurance. That is supposed to guarantee coverage for any motorist that might get involved in an on-road collision. Yet that system does not solve everyone’s problems. What problems remain unsolved, when motorists are dependent upon each driver’s possession of liability insurance?
—Who pays for repairs if the responsible driver has failed to purchase liability insurance?
—Who covers the repair costs of the liable driver, following a collision?
—Is there an alternate method available for drivers that want speedy repairs?
Two methods that provide answer to one or more of the above problems
Collision coverage: This is an option that is available to the purchasers of vehicle insurance. A policyholder with that option has the ability to make a claim, if he or she has caused an accident. The insurance company that responds to that fist party claim must cover the damages that have been reported by the other driver.
Collision coverage can also be used if the responsible driver has no insurance. It is of some help for a motorist that wants speedy repairs.
The fastest way for any car vehicle owner to have the set-of-wheels repaired involves paying out-of-pocket. The waiting time gets reduced considerably, if the owner of the damaged vehicle uses some of his or her own money to pay for the repair work.
Those that have chosen to use their own funds for paying a technician at a repair shop enjoy the benefits of fast results, but must also accept a drawback that comes with their chosen approach. Unless a driver with a damaged automobile asks an insurance company to cover the bills from the shop that repaired the damage, that driver cannot seek help with renting a car.
What happens if a driver’s vehicle has been totaled?
In that case, the insurance company would ask the driver to provide that same company with funds that were equal to the vehicle’s actual cash value. Ideally, those funds would come from the money that the same insurance company would need to pay to the vehicle’s driver, as per personal injury lawyer in Whitby.
The system used for dealing with totaled vehicles works in all states, both those with at-fault, and those with no-fault insurance. Property damage is not covered by the policies that are sold by any of the auto insurance providers in those states that have elected to adopt a no-fault system for dealing with car accidents.