If you pay for auto insurance, you can always file a claim with your auto insurance company to get your medical bills paid and get your car fixed. However, this is different from collecting a car accident settlement claim from an at fault driver where you’ll likely be paid for missed work, pain & suffering, and more. The type of payout you get from your own auto insurance company is different from what you would get if you were injured in a car accident that wasn’t your fault. The payout from your auto insurance company if you were found at fault will be smaller, and will likely raise your insurance rates substantially, in comparison to a car accident where you weren’t found at fault and are able to collect from the other driver’s insurance company.

If you were at fault in the accident, there’s a good chance that you’ll also have a claim filed against you by the other driver to pay for their medical expenses, lost income, and property damage. While you shouldn’t have to pay out of pocket outside of your deductible (this is, after all, why we pay for auto insurance in the first place), but your insurance rates will probably go up quite a bit as a result. Depending on the circumstances (for example, you had a drink at dinner before the accident happened or you were texting and driving before the accident)

Generally, if you are injured as a result of an accident that was your fault, you will not be able to make a claim for compensation with another driver’s insurance company unless another party was also partly to blame for the accident. If this happens you might qualify for some compensation for the injuries you suffered in the auto accident that were not caused by your own negligence, especially in states that have comparative negligence laws.


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