Quote:
Originally Posted by Calzone Lord
I have what is basic auto insurance in PA. Everything insured except for collision repairs to my own car.
So, if I am found at fault for the accident...my insurance pays for damages to the other car and person (the person in the other car didn't even have a bruise and is fine) However, I'm SoL on my own car and I will have to pay the other persons deductable.
If I'm not found at fault (unlikely) the other persons insurance will take care of the value of my car.
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yeah, i know how the coverages work. i just thought i'd ask in case you had that in the policy. the car is paid for tho, right? sell it for scrap/parts and buy another...and get collision, even if it's a high deductible to help defray the premium.