If you ever find yourself involved in a car crash, you know you’ll likely be facing exorbitant car repair bills along with other damages. Do you have insurance? Does the other driver have a policy as well? Who caused the accident? The answer to these questions will determine your options when it comes to paying for your car’s repairs.
What is covered by your insurance?
If the accident was entirely someone else’s fault, you are entitled to compensation for any damage done to your car and personal property, including eye wear, clothing, sports equipment, and other personal belongings that were in your car at the time of the accident. However, items stolen from your car or those that may have been lost before or after the accident are not covered.
How will you be paid for damages?
If the other driver is at fault, you may be able to recover your losses from three sources: Collision coverage under your insurance liability, coverage under the other driver’s insurance, and uninsured motorist coverage under your insurance. However, know that North Carolina has ‘contributory negligence’, which means if you have contributed to the accident in any way, you won’t be entitled to any compensation through a lawsuit.
Contributory negligence makes it necessary to work with a knowledgeable personal injury lawyer who can make sure you don’t receive any undeserved blame for an accident.