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Will I be able to get a new car after an accident?

I was involved in an accident yesterday where my vehicle was totaled. I do have full coverage and I have Bodily Injury:  25/ 50 Property Damage:  25 and my deductible is $1,000. The driver who was in front of the car I hit slammed on his brakes causing the SUV driver to do the same. I was going 35 mph and put my brakes on, but the car didn’t stop fast enough and I slammed into the back of the SUV. The driver of the pickup in front of the SUV didn’t have a valid drivers license or any insurance so he wasn’t supposed to be driving at all. Will his insurance cover my vehicle or does my insurance company have to cover the damage?

Agent Answer

Neil Richardson

Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible. Whether that amount is enough to buy a new vehicle will depend entirely on how much your car was worth at the time of the accident.

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