Who pays for what in a car accident in Minnesota?
This depends on the type of coverage you have and who was at fault in the crash.
- If you have comprehensive coverage in your automobile insurance policy, which covers damage sustained to your vehicle, your insurance company may pay the entire bill - minus your deductible. If the crash was not your fault, your insurer will seek reimbursement from the at-fault driver's insurer for the damage to your car, which should also include reimbursement to you for any deductible.
- If the other driver is at fault, their insurance company must pay for your vehicle damage promptly, including any deductible, even if you don't carry collision insurance in your own automobile insurance policy.
- If you have collision coverage and you were partially at fault, each insurance company must pay a fair percentage equaling each driver's fault.
To learn more about what your insurance company is responsible for covering, or what you should expect from the other driver or their insurance company, contact a Minneapolis car accident lawyer today.