Q: My wife had a person run a stop sign and pull out in front of her causing my wife to hit her car. How does this all work
What insurance will fix or replace our car. I know my daughter was in a wreck and the insurance company had to settle with her. Is there a settlement involved when you have a wreck and it is the other party that is at fault. We have never had to deal with anything like this before.
A: If the other party is at fault, then you must submit a claim to the other party's insurance carrier. The insurance company will then either fix your car or "total" it out and pay you the fair market value. If you have full coverage insurance, you can submit the claim to your insurance carrier, and have them deal with the repairs, less whatever your deductible is. If you have injuries, or any passenger has injuries, you need to submit a claim to your insurance carrier for PIP/BRB (personal injury protection/basic reparation benefits) and your insurance will pay the first $10,000 of medical bills, and a portion of lost wages. This is where it starts to get complicated, and I would recommend speaking with a personal injury attorney to handle your claim. I hope this helps.
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