The number and types of the owner’s options depend on who appeared to be at-fault, the nature and extent of insurance coverage, and whether or not the other driver was insured. Normally, the responsible party is liable for covering the cost of repairs. That is the practice in both no-fault states, and those that do seek to identify the driver at-fault.
Who could be held liable?
Any drivers that had purchased liability coverage could make a claim against the other driver’s insurance company. If the driver at-fault had not purchased any automobile insurance, the owner of the damaged vehicle would still be covered, as long as he/she had purchased collision coverage. The collision option would cover any damage, up to the limit that had been stated in the owner’s insurance policy. Yet, the owner would need to pay the deductible.
An uninsured driver/owner could pay out-of-pocket for repairs, and then seek reimbursement from the other driver’s insurance company. That system works best when the repair costs have been rather small, or at least reasonable. Otherwise the uninsured driver/owner could end up waiting an annoyingly long time for repayment of any of the out-of-pocket funds.
Steps that are part of any option
Inspection of damaged vehicle: The insurer assigns that job to one of the company’s adjusters. The results of the inspection get added to the adjuster’s file.
Assessment of the extent of damage: The adjuster shares pictures of the damage with the insurer. The insurer uses data on the cost of parts to assess the cost for the needed repairs.
The owner/driver visits 2 of more car repair shops and gets an estimate for the repair cost. Estimate given to insurance company; insurer compares estimate to assessment results. Ideally, the estimate comes close to the amount of money that the insurer had predicted as the required amount. As per personal injury lawyer in Calgary, it is after this that the owner/driver receives payment.
Would those be the steps, if the owner were still paying for the damaged vehicle?
In that case, the last step might be eliminated, depending on the cost for the repairs, and the amount of money owed on the damaged car. If the owner/driver had found someone to do the job for a reasonable price, and if the same owner/driver had insured the damaged vehicle, then the chances would be good for a different last step.
Instead to having the insurance pay the policyholder, the company that was receiving the payments would arrange to get money from the owner/driver’s insurance company. As a result, the same owner/driver would probably have fewer or smaller payments, or perhaps might enjoy the elimination of any further payments.
All 3 of the concerned parties would need to work together, in order to achieve that end.