How much more am I liable for?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Nov 14, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from North Valley Stream, NY

Asked on 11/14/2011

How much more am I liable for? In June, I was involved in a fender bender. The dent didn't look severe, so, at first, I agreed to pay for it out of pocket. When the claimant took his car to the collision center, the estimate was way more than I thought it would be, so I decided to file a claim with my insurance company. They serveyed the damage and offered the claimant 50% of the settlement? Why would the insurance company only offer half? And am I on the hook to pay for the other half of the settlement cost out of pocket? Please advise.

Answer given on November 16, 2011

When you are involved in an auto accident that turns out to be your fault, you should always let the insurance company handle the claim. Trying to settle it on your own could result in problems when the damages are more extensive than originally thought. You were lucky your insurance company agreed to assume liability, since you had jeopardized their standing in the claim.The adjuster took your statement and the other party’s statement. Since the insurance company is only willing to pay for 50% of the damages makes it seem that the company thinks the other party may be partially at fault. The other party can try to discuss this with your company, or may go through their insurance for the repairss and have their company try to subrogate against your company for the full cost of damages. No matter how it settles out, you are not responsible for any payment not made by your insurance company. If the other party or their insurance contacts you directly for payment, refer them to your insurance company.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption