Who Pays for Car Damage in a No-Fault State?

On our last blog, we looked at a hypothetical car accident, in which another driver smashed into your vehicle because they ran a red light. We discovered that, even though the other driver was at fault, your insurance company is most likely responsible for all your medical expenses.

But what about the repair expenses for any damage to your vehicle? What if, when the hypothetical driver ran the red light and hit your car, it totaled your vehicle, meaning the repairs will cost more than your car’s fair market value? Will your insurance company cover your medical bills AND compensate you for your totaled car?

The short answer is no. Although New York is a no-fault state, and your insurance will pay for your medical treatment, the at-fault driver’s insurance company will need to cover your car repairs (or the entire value of your totaled vehicle).

The policy that covers vehicle damage is called collision coverage. If another driver causes an accident and damages your car, you will file a claim through their insurance. In the above example, in which the other driver totaled your vehicle, their insurance should pay you the total value of your vehicle. If the other driver didn’t comply with insurance requirements, your collision coverage should pay for the rest.

What if Insurance Coverage Isn’t Enough?

If either your insurer or the other driver’s insurer does not provide what you believe is a fair amount of compensation, you still have options. In many cases, an insurance company will simply undervalue the cost of repairs or your vehicle’s fair market value. If this is what has happened to you, an experienced attorney will be able to fight on your behalf for appropriate compensation.

You will likely experience less stress, fewer delays, and a higher settlement if you retain an attorney sooner rather than later. They can coach you before you speak with insurance representatives, help you make the right moves after your accident, and, overall, give your personal injury case the highest possible likelihood of success.

Bring Your Case to Our Dedicated Lawyer

Car repairs are never simple. You might be scrambling to find an alternate mode of transportation while you decide between fixing the vehicle and replacing it entirely. The last thing you might want is an insurance company that refuses to provide the compensation you need.

At the Law Office of Seni Popat, our attorney is fully prepared to use his years of experience to help you achieve the best possible resolution. We know you are likely dealing with the pain of an injury in addition to the inconvenience of your property damage, and we want to provide the high-quality support you deserve during this challenging time.

Schedule your free initial consultation by calling (718) 340-3385 or contacting us online today. We look forward to helping you make a full recovery and get your life back on track.