Do I have to pay for damage if I'm at fault in an accident but the other person has collision insurance?

I was at fault in an accident and I ended up causing $6,500 in damage to the other vehicle. My current property damage liability is $5,000. Will I have to cover the extra $1,500, or will the other driver's collision insurance take care of it?

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Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“You’re correct in assuming that your insurance will pay out $5,000 in property damage liability, but as for the other $1,500, you’ll have to pay it.
It’s in your best interest to pay this money as soon as possible. Otherwise, you’ll likely get a lawsuit filed against you for the difference, which will make you incur even more expenses.”
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