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If my mom doesn't have collision coverage but got in an accident, will she have to pay for the damages to her car?
"For reference, my mom was turning left on a green arrow, and another car hit her. Her car is pretty damaged, but she doesn't have collision insurance. Will the other driver's insurance pay for the repairs?"
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In the case of accidents,
car insurance companies
use a percentage system to assign blame for the accident. For instance, they could say one driver is 80% at fault for the accident and the other driver 20%. They negotiate these percentages based on police reports and the information you provide them. If the insurance companies find the other driver was 100% at fault, then their
liability car insurance
should cover all the damages. However, if your mother was even partially at fault, she might incur some of the costs.”View full answer
- Gregory R.
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