Liability insurance does not cover damage to your auto. If your car is damaged in an accident and you only have liability coverage, you will have to pay out-of-pocket for car repairs. Alternatively, if the accident was not your fault, the other driver’s property damage liability will pay to fix your car.

What happens if both drivers are not at fault in an accident?

In some states, neither party in a shared-fault accident qualify to pursue compensation from the other motorist and their insurer. In other states, both parties can pursue compensation from the other, or can only seek recovery if a party’s fault does not exceed a certain level.

What happens if you only have liability insurance and you?

Liability insurance does not cover damage to your auto. Coverage for damage to your car is paid under the comprehensive and collision portions of the policy that are absent from a liability only policy. If your car is damaged in an accident and you only have liability coverage, you will have to pay out-of-pocket for car repairs.

What happens if both parties are at fault in a car accident?

In such instances, the insurance company usually doesn’t require a driver who was hit and clearly not at fault to pay any money out-of-pocket for car repairs. That money instead would usually come from the policy of the driver who was to blame for the accident. Of course, this only holds true when it’s clear who was at fault.

What happens if your car is damaged in an accident?

If your car is damaged in an accident and you only have liability coverage, you will have to pay out-of-pocket for car repairs. Alternatively, if the accident was not your fault, the other driver’s property damage liability will pay to fix your car.

How is liability determined after a car accident?

The insurance adjuster determines liability by reviewing: The responding officer’s accident report; Witness statements, pictures, and other available evidence; Often a single person decides whether or not the insurance company will pay your claim, and the amount.