If you have a third party only policy no. If you have a comprehensive policy yes. If you carry "collision insurance", your company pays no matter who is At Fault. It's pretty much mandatory coverage if it's a new car so the lender can protect it's investment.
In this state, the person who caused the accident is at fault. If the person at fault has insurance then his insurance should fix the other car. Otherwise, in this state, the person at fault owes the money himself to fix the other car. The insurance company will not pay one cent to fix the other car.
If you have collision insurance.
As far as i know the not at fault Insurance decision will prevail over the the one at fault. Besides there are certain "rules" that all insurance companies goes by when they take a determination whether or not a car is totaled. If by any chance the insurance companies can't agree they go to an arbitrary service provided by state for insurance companies and they can come to a decision.
You will have to check your state law on this. If it is a no-fault state. Then your insurance will repair your vehicle and then bill the other driver's company. I am not sure of the procedure in a "fault" state. You could try contacting your insurance agent or any auto insurance agent in your state.
whatever it cost you to fix it, and any injuries you have. best talk to a lawyer or the perprotrators insurance company
NO. This is considered weather related and at-fault. Sorry. I'm a broker and I have to tell ppl all the time!
No!! It's not the insurance that tells you how to fix your car, it is you who has the legal right to tell the insurance company. I learned this the hard way!
Collision insurance means that if you were to get in an accident the insurance company would pay to fix your car instead of the person's that you hit.
If you have reported the accident and your insurance company has repaired the other driver's vehicle, it more than likely will affect your rate. When you are at fault, it always affects your insurnace.
No, because you payed for it so they use your money to fix the car if you have an accident.
If the other driver was found "at fault", his insurnce company should pay the total repair including deductable
Absolutely. The policy requires that they cover her losses to the terms of the policy. They have every right to go after you if they think you were at fault. They are two separate transactions. 1. They pay to fix your sister's car as required. 2. They try to recover from anyone they feel is responsible for the loss if it is not their insured. It is the same as looking to your insurance company to pay since the person they insured was not at fault. If you have no insurance you should expect them to come after you! Sorry.