Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

I was in an at-fault accident and don't have collision insurance

I was at-fault in an accident and totaled my vehicle. I tried to talk to my insurance about getting a payout or something but they said because I don't have collision insurance I won't receive anything. I need my vehicle for transportation and everything. What options do I have?

Feb 14, 2018 Bakersfield, CA

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Unfortunately, you don't have a lot of options here unless you had specifically asked for collision and comprehensive coverage and your insurance representative never applied it or charged you for it. Collision and comprehensive is the coverage that offers physical protection for your vehicle whereas your basic liability is what protects you from being financially responsible for the damages you cause to other vehicles. So, in an at-fault accident, your liability insurance paid for the damage to the other person's vehicle but because you didn't have collision coverage, your insurance won't be able to help you. If you own the vehicle, you might be able to sell the salvaged vehicle and use that money as a down payment for another vehicle. That might be your only option at this point.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

What's the difference between collision and liability, versus full coverage?

Thanks for reaching out to The Zebra!This is a great question. Insurance terms can be really confusing. The term "full coverage" can mean a lot of different things.  So when you purchase liability, uninsured liability, and comprehensive and collision then you and your vehicle are covered …
Jan 9, 2023 Sikeston, MO

I want to get my own car insurance, but my mom won't let me.

Because your mother has an umbrella policy through AAA, she is likely required to have you listed as a driver on her full coverage policy. This is a common requirement with car insurance carriers who offer umbrella insurance. The only thing you could do is have your mom check with AAA to see if the…
Jul 21, 2022 Danville, CA

What do I do if someone hits me and provides false insurance information?

Your best bet would be to contact your insurance company for assistance. If you had collision coverage on your policy at the time of the accident then your company should cover your damage anyway. Either your insurance company eats the cost of the claim, minus your deductible, or they will subrogat…
Feb 9, 2017 Los Angeles, CA

What happens if you hit a rental car?

Good question! The claims process after hitting a rental vehicle would be the same as hitting a vehicle that is owned by another person, so you should still contact your auto insurance provider and notify them of the accident. Make sure you provide pictures of the accident and any other details or …
Jun 18, 2017 Philadelphia, PA