You are here

Why do I have to use my own auto insurance if someone else caused the accident?

That is what your insurance is there for - to protect you in the event of a motor vehicle collision. There are a few different coverages you may have that could apply to a collision that was not your fault. You may have Personal Injury Protection ("PIP") benefits that are intended to pay your medical expenses up to the amount of your PIP benefits. This is considered no fault coverage, which means it pays regardless of who caused the car crash, it does not have to be reimbursed to your insurance company out of your settlement proceeds, and you pay for this benefit so take advantage of it. 

Also, if the other party does not have auto insurance, your only recovery may be through your own uninsured motorist coverage. If the other party does not have enough insurance proceeds to cover your damages, and you have underinsured motorist coverage, you may be able to turn to your insurance company to recover additional proceeds.