I Only Have Liability Insurance? Who Pays When Someone Hits Me?
I Only Have Liability Insurance? Who Pays When Someone Hits Me?
Many drivers wonder about protection after a crash. This question grows louder as repair costs rise.
I Only Have Liability Insurance? Who Pays When Someone Hits Me? is protection you carry, not money you receive. It covers damage you cause to others, not your own car.
Studies indicate policies respond based on fault and state rules. Your costs may come from the other person's insurance or your own optional coverage, if available.
Here, understanding your limits helps you choose extra protection. Review your documents so you know who pays for losses in different situations.
Q: Does my policy pay for my car damage if I am not at fault? A: The at fault driver's liability coverage typically pays for your repairs.
Q: How can I protect my car if this happens often? A: Adding collision coverage or uninsured motorist coverage helps pay for your losses directly.
