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Can I be reimbursed for out-of-pocket expenses after an accident?

Can I be reimbursed for out-of-pocket expenses after an accident?

Q: What happens if the other driver's insurance company won't pay?

If the other driver's insurance company refuses to pay, you may need to pursue other options. This could include filing a claim with your own insurance company, especially if you have uninsured or underinsured motorist coverage. You may also consider taking legal action against the at-fault driver to recover your damages.

Q: Do you have to pay deductible if not your fault?

Yes, you typically have to pay your deductible even if the accident was not your fault. However, you can seek to recover this amount from the at-fault party's insurance company. If they accept liability, they may reimburse you for the deductible after your claim is settled.

Full question:

Can I get compensated for my out of pocket expenses that I paid, the extra car insurance and the deduction of on repair that the person's insurance company didn't pay? Can I get the person who's fault it was to reimburse my expenses?

Category: Civil Actions
Date: 04/07/2025
State: Delaware

Answer:

We cannot give legal advice. The following is not a substitute for the advice of a local attorney, but we hope the information will be useful.

Generally, if your property is damaged in an auto accident caused by someone else's negligence, they are responsible for your damages. This includes all expenses related to the incident to return you to your pre-accident condition. Typically, the at-fault person's insurance company pays you a check to cover these expenses, such as repairs.

It seems you received a check but incurred additional expenses afterward, and you want these reimbursed. This may be challenging because accepting the first check likely required you to sign a settlement agreement, which may prevent you from seeking further compensation.

If you did not sign such an agreement, you can send the new bills to the representative who issued the first check, and they may provide you with another payment.

Good luck.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

What is it called when an insurance company refuses to pay a claim?

When an insurance company refuses to pay a claim, it is often referred to as a claim denial. This can occur for various reasons, such as insufficient evidence, policy exclusions, or failure to meet the terms of the insurance contract. If you believe your claim was wrongfully denied, you may want to review your policy and consider appealing the decision or seeking legal advice.

What do I do if the other party's insurance denied my claim?

If the other party's insurance has denied your claim, first review the denial letter to understand the reasons. You can gather additional evidence to support your claim and appeal the decision. If necessary, consider contacting a local attorney who specializes in insurance claims to discuss your options and determine the best course of action.

Why do I have to pay deductible when it's not my fault?

You may have to pay a deductible even if the accident wasn't your fault due to the terms of your insurance policy. The deductible is the amount you agree to pay out-of-pocket before your insurance covers the remaining costs. However, you can seek reimbursement for this deductible from the at-fault party's insurance if they accept liability.

What to do if an insurance company won't pay?

If an insurance company refuses to pay your claim, start by reviewing your policy and the reasons for the denial. You can file an appeal with the insurance company, providing any additional documentation needed. If the issue remains unresolved, consider reaching out to a state insurance department or consulting with an attorney for further assistance.