Who Would Actually Pay For The Repairs of The Vehicle After An Accident?

If an insurance policy was supposed to cover the cost of repairs to a damaged vehicle, then the policyholder would have reason for development of certain concerns.

Who could be held liable for the repairs?

The driver responsible for the collision that caused the damage would be held liable for the repairs. That would be true in both a “fault” state and a no-fault state.

If a driver were carrying a policy with an uninsured or underinsured option, and the responsible motorist was either uninsured or underinsured, then the company that had invited the policyholder to purchase that particular option would be liable for at least some of the repairs. The insurance company of the responsible motorist would have to pay.

Who would pay if the responsible motorist had failed to purchase an insurance policy?

In that case, the extent of coverage available to the owner/driver of the damaged vehicle would determine the actual source of the funds that would be used to pay for the repairs.

—In case, the owner of the damaged car has collision cover, then that could be used to cover the cost of the repair work. Still, the policyholder would have to pay a deductible to the insurance company.
—If the owner of the damaged vehicle had purchased the uninsured motorist option, then the company that had sold the owner that same option would be expected to pay for the repair work.
—The owner would be allowed to pay for the repairs out-of-pocket, and to seek reimbursement from the liable party. However, any owners that might choose to pursue that approach could encounter at least one of 2 possible hurdles.

What would be the nature of those possible hurdles?

—The one hurdle could arise if someone were to deny liability for the collision, or were to claim that there had been dual liability.
—The second hurdle could arise if the insurance company were to question the extent of the repairs, and the associated cost for the repair work.
—In either of the 2 situations listed above, the insurance company could refuse to give the provider of funds for the repair work, his or her requested level of reimbursement.

How could a policyholder deal with the emergence of such a hurdle?

The best approach would involve hiring a personal injury lawyer in Woodbridge. A lawyer could collect evidence, in order to back the reported level of the repair costs. Alternately, that personal injury attorney could hire an expert on reconstruction of accidents, and thus try to prove the client’s claim, regarding the fact that the defendant was the at-fault party. An attorney with good evidence should win any fight about liability.

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