If I’m Rear-Ended, What Will Their Car Insurance Pay For?

If someone rear-ends you, their car insurance is responsible for covering the damages. Here’s what you need to know about what their insurance will pay out.

Property Damage

The primary responsibility of the third party’s insurance in a rear-end collision is to cover property damage. This includes:

  1. Repair Costs: Their insurance will cover the costs to repair your vehicle. This includes everything from minor dents and scratches to more significant damages.
  2. Replacement Costs: If your car is totaled (i.e., the cost to repair it exceeds its value), their insurance will pay you the current market value of your car.

Medical Expenses

In addition to property damage, the other party’s car insurance may pay for medical and treatment expenses. Minnesota Car Insurance has Personal Injury Protection coverage. This Medical coverage on your own car insurance will pay minimum the first $20,000 of your own medical expenses, regardless of fault. After the Personal Injury Protection coverage has been used, the other person’s car insurance may pay for your medical expenses and ongoing treatment.

Lost Wages

If the accident causes you to miss work, the at-fault driver’s insurance may compensate you for lost wages. You will need to provide documentation of your income and the time you missed due to the accident.

Pain and Suffering

In some cases, you may be entitled to compensation for pain and suffering. This is a bit more subjective and can include:

  1. Physical Pain: Compensation for the physical pain you endured because of the accident.
  2. Emotional Distress: This includes any psychological impact the accident had on you, such as anxiety, depression, or trauma.

Other Expenses

There are other expenses that the third party’s insurance might cover, including:

  1. Rental Car Costs: If your car is in the shop for repairs, their car insurance may cover the cost of a rental car.
  2. Out-of-Pocket Expenses: This includes any other expenses you incurred as a direct result of the accident, such as transportation costs to medical appointments.

How to Ensure You Get the Right Compensation

To ensure you receive the compensation you deserve, follow these steps:

  1. Document Everything: Take photos of the damage to your vehicle and any injuries you sustained. Keep all receipts and medical records.
  2. File a Police Report: Always report the accident to the police and get a copy of the report.
  3. Contact Your Insurance Agent to discuss the car insurance accident, even if you are not at fault. They can assist you with the claims process.

Understanding what the third party’s insurance will pay out if they rear-end you can help you navigate the aftermath of an accident more confidently. If you have any questions or need assistance with your claim, feel free to contact us at Ameriguard Insurance. We’re here to help you every step of the way.

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