How much will my insurance pay to fix my car?

I live in Massachusetts and got into a wreck. I’m okay, but my car is damaged. How much of the damage will my insurance cover?

Lauren Smith · Answered on Dec 13, 2022
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m sorry to hear about your accident! I’m glad you’re okay. To determine your insurance payout, there are a few things to consider.
First, you need to file a claim to your own insurance company. Massachusetts is one of 12 no-fault states. While fixing your car depends on the coverage you have and who is at fault, the benefit of a no-fault state is that repairs happen quickly.
If the other driver is at fault, their property damage coverage will cover your car’s damage up to their policy limits. Your insurance will pay for the damage to have your car repaired and seek reimbursement from the other driver’s insurance company.
If you’re at fault and have collision coverage, your insurance company will pay for the repairs after you meet your deductible. If you have liability only, your insurance company won’t pay to fix your car.
After submitting a claim to your insurance, your rate can often increase. If this happens, be sure to shop around. Every insurance company has a unique way to rate policies and you could find a lower rate with a different company.
To explore your options, try the Jerry app. Jerry has licensed car insurance brokers that live in your pocket. Jerry gathers personalized quotes from top insurance providers in minutes, ensuring you always have the best rate, even with claims.
Hope you recover quickly!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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