There may not be any more tragic and terrifying accident than a t-bone. This type of accident, also known as a broadside collision or side-impact collision, often creates a significant amount of damage. After receiving help, it is important to speak to your auto insurance agent right away. Coverage for this type of accident depends on many factors. Yet, there is help available to you. Here is where to start.
Who Is at Fault for the Accident?
The biggest determining factor in a t-bone accident is fault. If you live in an at-fault state, the driver causing the accident maintains liability. That, his or her liability insurance policy should cover the losses to the other driver. If you live in a no-fault state, your auto insurance often pays for your losses, depending on the type of policy you have.
In an incident like this, the police officer on duty is your first resource. Explain what happened. Discuss why you thought you had the right of way. Then, using witnesses and/or evidence, the officer determines fault in the incident. Your auto insurance agent will need this information.
Will Your Car Insurance Cover the Loss?
Various factors determine if your auto insurance will cover these losses. First, if liability insurance is at play, that policy will cover the losses associated with the other driver. If you caused the accident, this policy does not cover your own losses, though.
Let's say the damage is your fault. You may have coverage through your car insurance in some situations. Specifically, this applies to you if you have collision insurance. If you do not, you may not have any financial help in this case.
Here is an example to consider. You were driving through an intersection. Another vehicle hits the side of your car. They had a green light. You did not. In this case, you are at fault. Your insurance coverage may pay for the other driver's losses. This applies to your liability insurance. If you have collision insurance, the policy may cover your losses to your vehicle. This includes repairs to it. If you do not have this coverage, you are on your own for the loss.
It pays to have auto insurance like this. A t-bone accident can happen to anyone and anywhere. In all cases, having proper car insurance gives you some peace of mind. You have financial protection to help you repair your car. Without it, you put yourself at risk financially from significant losses and potentially the totaling of your car.
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Also Read: What To Do If A Car Accident is Your Fault