does my insurance pay for damages to a car that I hit ?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 26, 2012

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Insurance Question from Barefoot Beach, FL

Asked on 11/26/2012

does my insurance pay for damages to a car that I hit ? I was backing up in a shopping center lot. a car came speeding by. I hit him, scraping my car and causing dents. Does my insurance pay for damages to his car?

Answer given on November 27, 2012

Auto insurance pays for damages you cause due to an accident. This includes backing out of a parking space. You feel the other driver was going too fast, but in most cases, the car that is backing into the traffic lane is found to be at fault.You should report the incident to your insurance agent or company. They will investigate the incident and will settle with the other driver for the damages to their csr. If you have collision insurance you will be covered for your damages, less your deductible. Depending upon the amount of damages involved, your insurance rates may go up. Talk to your agent about this. Usually, if the damages are over $750 you will see an increase in your rates. This usually last for three years. You could choose to pay for the damages to the other car, if you can afford it, but if the damages are too high, you are better off with using your insurance.


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