If you are involved in an automobile accident, do you know what to do? While you still have to file a claim, the process is a little different than if you were at fault. Make sure that you know what to do in case of a car accident that is not your fault so that any damages to your vehicle can be fixed as soon as possible.
If another driver is at fault for an accident, such as if they rear-ended your vehicle when you were not moving, you can file a claim through their insurance provider. This type of claim is known as a third-party claim, and they can pay for many different things that are related to the accident. The payout from the claim can help to pay for your medical bills if you were injured during the accident, the cost to repair damages to your car, or can even cover the costs of renting a car while your vehicle is in the shop. Since third-party claims are not subject to a deductible, you will not have to pay any out of pocket costs relating to the accident.
The amount of money that you will actually receive to cover any problems associated with the accident depend on the amount of insurance coverage of the other person. Since California requires that all driver’s carry liability insurance, as long as the person who caused the accident is following the law, you will receive some amount of money. However, the law only requires a small amount of liability, so you may end up having to pay for some of the costs of the accident. The more coverage that the other person has on their auto policy, the more money the insurance company will pay out.
For all of your auto insurance needs in the Fresno, California area, contact McCarty Insurance. We can provide you with the most comprehensive coverage options to ensure that you are covered from any situation that arises while you are on the road.