What happens after you're declared not at fault in an auto accident?

I was in an accident and declared not at fault. My insurance is going to be reaching out to the other driver's insurance company for reimbursement. Can the other insurance company deny liability? I'm also not sure if my car is totaled and what I would do if it is.

Answer
“If you’re declared not at fault in an accident, your car insurance company should cover any damages or injuries to the other party as long as you are properly insured.
To determine fault, your insurance company has an adjuster look at the details of the accident, as well as the damage. This also determines whether your vehicle can be repaired or is deemed a total loss.
If your vehicle is deemed a total loss, your insurance company determines its actual cash value (original price minus depreciation) and pays out based on that. You can use this money to pay off your loan if you financed your car, or you can put it toward a down payment on a new vehicle.
The other thing you’ll want to do is make sure you have a record of the police report. It should include who was at fault in the accident. If you didn’t file a police report, you may want to consider doing so to provide additional proof if the other party’s insurance company denies fault. “
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Emily Maracle
Answered on May 07, 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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