One of the main questions that your insurance company will ask when you are involved in a car accident is: whose fault is it?
The answer to this question is one of the major determining factors when it comes to deciding who is going to pay for the repair of your car. The other factors that will dictate who will pay for the repairs are the property damage coverage of the other driver, the type of insurance you have and its value, and which state the accident happened in.
In any state, the driver at fault has to pay for the damages. However, this is limited to the property damage coverage that he or she has. If the damages are worth $10,000 but the coverage of the driver at fault is only $5,000, then the insurance company of the other driver will only pay $5,000 and you or your insurance coverage will still have to pay for the rest.
However, if the accident occurred due to your negligence in driving or parking, you can opt to file a claim in your comprehensive and collision coverage. Another option would be to just pay for the car repairs yourself instead if filing a claim with your auto insurance company.