Car insurance when there's an accident with the individual who wasn't at fault how do you get covered, if you weren't at fault?
Well at Allstate we have a few things, if the person who hit you doesn't want to own up to the accident, we do something called subrogation, where you pay your deductible amount which for example would be $500... next we go after the company who did it who would be responsible for the deductible you just paid.
Next what if two Allstate policy holders have an accident. Both need to file claims against their insurance. One is at fault and one isn't however, you still are required to file a claim against your insurance, as a no fault accident, which would be your deductible amount. however it doesn't count as a claim against. You just pay your deductible. The other insured would have to count the accident as an accident against his/her insurance.
Next, PIP coverage. PIP is required whenever an individual is harmed in an auto mobile accident. It's a no fault coverage, so even if you werent at fault but accrued damages to your person you would need to file for PIP coverage. This usually has a limit of $3000 or $5000... ect. and the other insureds insurance would come into play for damages after that. In most cases you don't need to pay costly Health Insurance Deductibles if you're not at fault, if you are at fault you would need to have your insurance cover the other driver, yourself as well as you would need to pay your PIP and your deductible to pay damages to your car and if you don't have accident forgiveness your premiums may go up.
So it gets pricey! Hope this helps!