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Copyright 2003 Michael J. Gallagher - All Rights Reserved |
Property Damage “Who pays for damage to my car or truck?” Regardless of fault, your own insurance carrier pays the expenses to repair or replace the damage to your car or truck, if you bought “collision” coverage. Generally, the insurance company requires a certain amount be paid first as a “deductible” before it will pay for property damage expenses. “Can I get my deductible back from the at-fault driver or for damage costing less than my deductible?” Yes. If you were not more than 50% at-fault of the accident, you can recover up to $500 from the at-fault driver for the uninsured property damage to our car, which includes the deductible you paid. This type of recovery would be from either the at-fault driver or from the at-fault driver’s insurance company. You may need to file a claim with the Small Claims Court if the at- fault driver is not willing to pay. Some No-fault policies agree to recover this amount from the at-fault driver for you. “What if my personal property, such as clothes and glasses, was damaged or destroyed?” Your No-fault carrier will not reimburse you for damaged or destroyed personal property, such as clothing, jewelry and glasses that are considered “contents” of the vehicle unless you bought special additional coverage. If you did not buy this coverage, but have homeowners (or renter’s) insurance, that may cover your loss. If you have any questions, please contact me: Michael J. Gallagher, Personal Injury Attorney mike@lawyerinjuryexpert.com 1-877-445-4446 |
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