Who Pays for Vehicle Damage?

Outside of medical treatment expenses for car accident injuries, who pays for repairing an accident victim's vehicle? Car damage expenses may be more than repairing a few dents and a new coat of paint. Problems may exist below the surface. Structural damage during the collision could compromise the vehicle's safety in a future accident. Who pays for the internal and external repairs? The at-fault driver's insurance company, the driver themself, the victim's insurance company? In this video, car accident attorney Brent Adams explains how vehicle repair expenses are handled in North Carolina.

If you are not at fault in a motor vehicle accident, then you can file a claim against the negligent driver’s insurance company. If you file against the negligent driver’s insurance company they must find who was at fault first before you can receive any compensation. Police reports, witness statements, accident investigation, and other tasks might delay this process. Sometimes the other person’s insurance company will not want to pay you or they will only pay an insufficient amount. Generally this is a good time to contact an attorney to ensure you receive the benefits you are entitled to.

You can of course file a claim with your own insurance company. Policy holders typically experience faster receipt of compensation for damages compared to waiting for the negligent driver’s insurance provider. However, you will be responsible for the deductible. This might affect your future insurance rates.

Keep in mind - you cannot recover benefits from an automobile collision twice, so you cannot receive compensation from both the negligent party's insurance and your own.