Why did my insurance company pay another driver for half of his damage after an accident when the police said we were both at fault?

The two trucks touched bumpers causing minor damages. The other driver said his back was sore, so they gave him $500 even though he never went to a doctor. They're also paying half of his damages, but my deductible was barely met, so I'm out almost a thousand bucks there. Will my premiums go up?

Sep 9, 2017 San Antonio, TX

Neil Richardson

Sep 9, 2017

It is quite common for drivers to share fault in an accident. The amount your insurance is paying to the other driver is based on your percentage of fault in the accident. The insurance coverage of the other driver, however, should also be covering a percentage of your damage. I would recommend contacting the other driver's insurance company about your damage. If the other driver was uninsured then your company would be covering damage to both vehicles assuming you have uninsured motorist or collision coverage. As far as your rate is concerned, at-fault accidents normally will cause your rate to increase. Since both drivers shared a percentage of fault, though, it will likely depend on whether you were considered 50% or more at fault. Ultimately any changes to your rate will be up to your insurance company so you should contact them to ask how the claim will impact you moving forward.

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