After an accident, who pays for repairs to my vehicle?
Who pays for what in a car accident in Minnesota?
Who pays for your automobile damage after an accident in Minnesota depends on the type of coverage you have and who was at fault in the crash.
1. If you have collision coverage in your automobile insurance policy, your insurance company may pay the entire bill minus your deductible. If the crash was not your fault, your insurer will seek repayment from the at-fault driver's insurer. The at-fault driver's insurer should also reimburse you for payment of your deductible.
2. If the other driver is at fault, his or her insurance company must pay for your vehicle damage promptly, including any deductible, even if you don't carry collision insurance.
3. If you have collision coverage and you were partially at fault, each insurance company must pay a fair percentage equaling each driver's fault.