it is essential to determine whether your state is at-fault or no-fault.
The other driver’s insurance company may cover both property damage and bodily injury in an at-fault state.
However, if you live in a state with no-fault laws, the other driver’s insurance will only cover property damage, and you will need to file a claim with your own insurer for medical payments or personal injury protection.
It may take different amounts of time to file with either your own insurer or the insurer of the other driver.
The other driver’s insurer may settle an agreed-upon property-damage claim but withhold a bodily injury.
Liability settlement until you have completed all medical treatment for your injuries if you sustained bodily injuries and damage to your vehicle in an at-fault state.
The extent of the damage, the length of time it takes to send out an insurance adjuster, and whether you and the insurer can agree on a settlement amount are additional factors that could affect your insurance timeline.
