Generally the party that you hit will seek reimbursement for their damages. If you are insured then they will get your insurance company involved. If their property is damaged i.e. car, fence, etc. then your property damage will pay for damages up the amount of your limits. If you carry 50,000 in property damage insurance then you have coverage up to $50,000. If the party you hit were injured and depending on the state you live in then coverage called Bodily injury will be applied. If you are uninsured or underinsured then the party you hit may try to collect under their own uninsured motorist policy. If you live in a state were Personal Injury Protection is required then that coverage may be applied first regardless of who is at fault. If you don't have property damage liability coverage, the party you hit will use their own physical damage coverage called collision to repair their vehicle and then the insurance company may seek reimbursement from you.

If you were at fault in the accident and you want your vehicle fixed then you would make a claim under your insurance carrier under your physical damage coverage called collision. Typically there is a deductible that is applied to this coverage. This can range from $100, $250, $500 or even $1000. Whatever amount you agreed to with your insurance company. This amount is always paid first by you. So, if you have a $500 deductible and your damage was only $200, then you would be responsible for the entire amount.

If your vehicle is totaled then you will get paid the actual cash value of your vehicle at the time of the accident less any deductibles..

You can obtain a quote for new insurance if your your car is totaled and you will be getting a new one by entering your zip code and then some basic information on the pages that follow.