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 15, 2018 Bakersfield, CA

Answer
Ava Lynch

Feb 15, 2018

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 protects you are 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.

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