Who pays to fix the damage to my automobile?
If liability for the accident is clear and you have full coverage through your own insurance policy, you can elect to have either the insurance company for the vehicle that hit you pay for the damage, or your own insurance policy will pay. If you do not have full coverage, then you must make a claim through the other vehicle’s insurance. If you do not have full coverage and liability for the accident is not clear, you may have to litigate the issue in small claims court or as part of the overall litigation regarding your injuries.