how much are auto insurance expose to pay out to a claim for a passenger without a lawyer

What coverage would pay for the injuries to the passenger?

Bodily injury coverage pays medical expenses for you and passengers. Property damage coverage pays the cost of repairs to your car not covered by collision coverage up to $3,500. You may not need this if you have collision coverage.

What insurance pays for losses without determining who is to blame for an accident?

No-fault insurance (PIP). In the dozen or so no-fault states, drivers turn to their own PIP insurance to pay medical bills and other injury-related losses after a crash, regardless of who was at fault.

How do insurers determine who was at fault?

The adjuster will gather details about the accident. This may include reviewing the police report, interviewing involved parties and assessing photos of damage. Based on their review, the adjuster works with the insurer to determine who's at fault for the accident.

What happens if the at fault party doesn't have enough insurance to pay a claim in California?

If the at-fault party does not have car insurance, you can file a compensation claim with your insurance company or file a lawsuit against the negligent party. When you are in an accident, you may expect the other driver to have auto insurance, but this is not always the case.

How long does an insurance company have to investigate a claim?

within 30 daysIn general, the insurer must complete an investigation within 30 days of receiving your claim. If they cannot complete their investigation within 30 days, they will need to explain in writing why they need more time. The insurance company will need to send you a case update every 45 days after this initial letter.

Who usually decides who was at fault in a car crash?

Insurance company adjusters determine fault in an auto accident after reviewing the police report and other evidence. They may also ask you and the other driver questions about the collision to try to piece together a reliable narrative of what happened.

What happens in a 50/50 insurance claim?

If liability is agreed on a 50/50 basis, it means that you and the other side have both accepted 50% responsibility for the accident. You will receive 50% of the overall value of your claim* from the other side's insurance company.

Do insurance rates go up after no-fault accident?

Generally, a no-fault accident won't cause your car insurance rates to rise. This is because the at-fault party's insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesn't need to fork out money, your premiums won't go up.