Is Massachusetts a no-fault car insurance state? Massachusetts is a no-fault car insurance state, meaning that each party pays for their own medical care, lost wages, and child care through personal injury protection, regardless of who was at fault. The at-fault party, however, is still res...
Understanding Totaled Cars The definition of a “totaled car” goes beyond its appearance. Insurance companies consider a car totaled when the cost to repair it exceeds its book value immediately prior to the accident. They will also total a car that is deemed unsafe to drive — even after re...
If your vehicle is totaled, the at-fault driver's auto insurance company will determine the value of your vehicle and write you a check if the driver has accepted his or her liability. If not, you can submit your claim to your own full-coverage insurance to replace your vehicle as ...
Keep a clean driving record:At-fault accidents and tickets are signs that you may engage in risky driving behaviors and can significantly increase your rates. Consider your vehicle:While not the most practical step for everyone, you could consider shopping for a different vehicle if you need to...
One at-fault accident Sort arrow ascending Sort arrow descending One DUI Sort arrow ascending Sort arrow descending Auto-Owners $477 $553 $686 $1,133 USAA $604 $719 $879 $1,131 Geico $569 $696 $803 $1,265 Amica $763 $934 $931 ...
a claim with your insurance, the other driver’s insurance, or both. You may also be able to file a lawsuit against the other driver if you sustained injuries. Who pays for your totaled car depends on your insurance coverage and whether your state is a fault state or a no-fault state....
If you are at fault for a crash, you'll have to pay for hospital bills or any other health-related costs for anyone in your vehicle. FAQs Is it a good idea to only have liability insurance? What company has the cheapest liability-only car insurance? How much does liability-only car in...
and consortium. Meanwhile, Courts in Arizona award punitive damages when the at-fault driver had ill will toward you and caused the accident intentionally. This type of damage is meant to punish the defendant for their actions and discourage other drivers from acting in the same way in the fut...
Premiums go up after a speeding ticket or at-fault accident, but Auto-Owners has the lowest rates for these high-risk drivers. Standout benefits: Auto-Owners has useful add-ons like accident forgiveness, gap insurance and additional expense coverage. We also named Auto-Owners one of the best...
Driving can be dangerous and accidents happen. If you're in an accident, hopefully, it'll be nothing more than a fender bender; however, there are chances that the accident could be bad enough that your car is totaled. The important factor is that you're ok. After the shock of the ac...