When you were the negligent driver who caused a crash, the other driver’s automobile may not be the only one that was damaged. Your own vehicle could have suffered damage—maybe even more than the other driver’s. How do you obtain the compensation you need for your car repair or replacement costs?
Can You File an Insurance Claim If You Were the Negligent Driver Who Caused an Automobile Crash?
You have fewer options for obtaining compensation for your property damage claim when you were the negligent driver. You cannot file a claim with the innocent victim’s insurance company. Your only avenue is to file a claim with your own insurance company—if you bought the right type of coverage. Two types of insurance coverage that could help pay for your losses include:
- Collision insurance. Having collision insurance is not required in Georgia. However, if you purchased this type of insurance, it will pay to repair or replace your vehicle and any damaged contents in your vehicle—whether or not you were at fault in causing the crash. You would have to pay your deductible, which is typically $500 to $1,000, before the insurance company will pay the balance owed.
- Car rental. If you purchased car rental insurance, this coverage could pay for a car rental while your vehicle is being repaired or you are arranging to purchase another replacement vehicle.
Unfortunately, if you did not purchase these optional insurance coverages, you may have to pay for your car repair and your car rental fees on your own. In addition, if the cost of your repairs is fairly low, you may decide not to file a claim with your insurance company. However, your insurance company could still raise your insurance rates when they find out about the accident, so do not let this be the primary reason you do not make a claim.
Insurance policies can be confusing. Brauns Law is here to answer your questions and help you negotiate your settlement—whether you were the at-fault driver or the victim in the accident. Fill out our online form today to schedule a free consultation.