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Answered 2006-08-09 00:49:53

i think you have liabilty insurance. this covers damage to other peoples property & other peoples personal injury. it does not cover you in any way, unless you have some rider on your policy. however, if the other person is At Fault, then they, or there insurance company should be liable for your damages, both property & personal including rental coverage while your vehicle is being repaired. please keep in mind that i am in Illinois. other states might have different guidelines. also, be aware that there probably is a deductible on your policy. your insurance company cannot persue damages against the other party or there insurance company until the amount of your damage exceeds your deductible. then your insurance can subrogate your damages. however, if the other party, or there insurance company comes after you, then your insurance company is obligated to defend you without reguard to any deductible you might have. i have to add to this answer. no insurance company can make you go to one of "there shops". they also cannot demand that you get 3 estimates. keep in mind that you own the car. you have the choices. you can buy Pizza with whatever monies you get, but by the same token, an insurance company is only obligated to pay prevailing rates for your area. if 10 shops in your area charge 10 dollars an hour, but the shop you want to use charges 12, you would be respossible to pay the difference. also, keep in mind that insurance companies do not fix cars, they pay for damages. so if this other party scraped the corner of your bumper, that is all there insurance company is obligated to pay for. if there are other damages on your cover, the shop might want more money to repair that as well. this would be your responsibilty.

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