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If the situation is clear-cut, or one party admits that they caused the accident, the at-fault drivers auto insurance should pay for any property damage and medical bills, and in some cases additional compensation for other damages, such as pain and suffering.
Car Insurance Normally Follows the Vehicle, Not the Driver Auto insurance usually follows the car, not the driver. So, if you let a friend borrow your car, your own auto insurance is typically primary for anything that might happen to your car or the driver during that time.
Who pays in a no-fault accident? If theres an accident between two drivers, each partys PIP coverage typically pays for their respective medical bills and/or wage loss up to their policies limits, no matter who caused the accident.
A non-fault claim should be reported to your insurer as soon as is reasonably possible. You do this in the same way that youd report any other accident or claim to your insurance provider. Your policy documents will explain how you can get in touch with it.
We connect you with the right experts at the right time to make sure everything goes smoothly. You can contact a claims rep if you have questions, and youll likely work with an estimator who will inspect your car and write an estimate describing the cost of repairs.

People also ask

It may seem unfair, but accidents that arent your fault may still increase your rate in certain states. Not-at-fault accidents can indicate a higher likelihood of future accidents. However, your rate may not increase as much as it would for an at-fault accident.
In some cases, yes even accidents you didnt cause can increase your rate in states that allow it, as insurers have data showing that some drivers have a propensity for not-at-fault accidents.
Technically, youre required to report a claim even if its not your fault. Were here to protect your interests and help when youre involved in an auto accident, no matter who was at fault. Reporting a claim is particularly important when people are injured or theres damage to another persons car or property.

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