WHO PAYS FOR MY PROPERTY DAMAGE AFTER A CAR ACCIDENT?
If the auto accident is not your fault you have the option of making a claim through your own collision insurance coverage or going after the at fault drivers insurance to cover your loss. Normally your own collision coverage will have a deductible and you may not wish to pay the deductible. If your own insurance does pay for the damage to your car, they will have a right to be reimbursed from the at fault drivers insurance (subrogation). If there is a dispute about liability you may find that it is quicker to proceed with getting your car repaired through your own insurance coverage and then seek reimbursement of your deductible from the at fault driver.