But He Hit Me!

Why should I use my insurance to pay for anything? It might seem a little odd, but sometimes, it makes sense to use coverages on your auto insurance policy to pay for expenses you incur as a result of a collision even though the collision was not your fault. Why? 1. You may have no other choice If the driver who causes the collision is unknown or does not have insurance, the only potential source of recovery for you is your own uninsured motorist insurance. See my report: "Am I Covered For This? A Quick Guide to Your Auto Insurance Coverages and How They Work. 2. Time is of the essence If your car is damaged and you are injured in a collision caused by someone else, that other driver, and his insurance, is ultimately responsible for your damages. But, it can often take a long time for a liability claim to be processed and, [...]