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Who pays if I am injured or my car is damaged?
Liability. If you are to blame for an accident, your liability insurance will pay the other driver for property damage and personal injuries up to your policy's limits.
If you are not at fault, the other drivers liability insurance pays for your car damage and/or personal injuries.
In California, if you and the other driver both have car damage or injuries and you both are partly responsible for the accident, you each may be able to collect part of your loss. How much each of you collects from the other's policy depends on the amount of your damages and on how much each of you is at fault.
If you loan your car to someone who has an accident, your insurance pays for the damages - just as it would if you had been driving.
collision. No matter who is at fault, your collision insurance pays for damages to your car (not your medical expenses), minus the policy deductible. Most insurance companies do not offer collision coverage for very old cars.
You may have other insurance too. Your health insurance, for example, may pay your medical bills. Also, your automobile insurance may have medical payments coverage. If so, it will pay the cost of your medical treatment. This coverage can be used in place of your other health insurance or in addition to it.*
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CAUTION! Please remember that no information found at this site can replace a face to face meeting or telephone consultation with a "real live" attorney about your particular case, problem or question. The information you find here or in the answers should just be a starting point in finding your answers. |
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