Have you been involved in an accident where the other driver is at fault? We break down the legalities behind this situation, below:
Q: I have the same insurance as the other driver. Why won’t my insurance just pay me?
A: If the other driver is at fault, you are getting paid through their liability insurance. Liability insurance is something that covers you if another person causes the accident. Even though the other driver may have the same liability insurance that you do, it does not mean that the insurance company is going to give you any credit or treat you better than they otherwise would. Unfortunately, when you have an auto accident, you have to prove that all of your injuries are related to the accident. That’s the only way to get the insurance company to compensate you for your medical bills.
Even in situations where you are making a claim against your own uninsured motorist coverage, that’s still the standard that has to be proved. In a lot of cases, your own insurance company and your own policy will still try to fight you and will still try to come up with ways to avoid compensating you for your injuries.