What can I expect after getting into an accident without collision coverage in my old Volkswagen Jetta?

I got into an accident and I don't think I'm at fault. I decided to remove full coverage on my policy last year since I have an older Jetta. Will the damage to my car be covered?

Answer
“Whether the damage to your Jetta will be covered depends on who is at fault in the accident.
If you’re determined to be at fault, your insurance won’t cover your damages without collision car insurance.
If the other driver is determined to be at fault, your damage should be covered by their insurance. Their property damage liability limit will determine the amount that they will cover.
If the damage to your vehicle is greater than their property damage limit, you would need to have underinsured motorist coverage on your policy to be compensated.
With underinsured motorist property damage coverage, your insurance would cover any damage remaining if the other driver’s limit is exhausted. “
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Emily Maracle
Answered on May 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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