Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Car insurance applies regardless of fault in most circumstances, so your insurance company may help you cover losses when you are at-fault
  • In instances where you are at-fault in an accident, your provider can help you recover in addition to covering the loss of the other party involved
  • During your claim process, you will still have to provide your provider with information about the loss to help you recover
  • If you are still finding yourself with questions, speak to your insurance provider about your policy and your coverage

In situations where you are at-fault for damages caused to your vehicle, you still need to get your vehicle replaced or repaired. Your car insurance policy was created to help you recover from losses that occur; these losses do not have to be caused by someone else.

Even in instances where you are at-fault for something that has occurred, you are still able to make a car insurance claim to get your losses covered.

If you are also looking for better auto insurance rates, start comparison shopping by entering your ZIP code above!

Claiming Car Insurance When You Are At-Fault

When an incident occurs and your vehicle is damaged, your first course of action may be trying to get your vehicle repaired or replaced.

When you are at-fault for the loss, you can still file a claim with your insurance company; most claims do not require fault to be determined in order for the claim to be filed.

The claim process will require your insurance provider to review your coverage and determine what coverage you have for the loss.

If you have a policy with several different coverage options, your loss may be covered along with those who were not at-fault under several different loss scenarios.

If you have a policy with minimal coverage, however, then you may not be covered for every loss that could occur.

In situations where you have to file a claim for a loss, you will often find yourself with a deductible to pay in order to get the rest of your loss covered.

The deductible on your policy is a portion of your loss that you are required to absorb; doing so helps to reduce the cost of claims on your insurance provider.

This deductible also helps discourage policyholders from filing small claims they could cover on their own.

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Claiming Car Insurance For Unexpected Losses

Unexpected losses can cause damages to your vehicle; these may be instances where you decide to file a claim with your provider.  There are unexpected incidents that damage your car like:

  • Hail
  • Flooding
  • Animal-related damages

There can also be unexpected losses that you inadvertently cause.

In some situations, you may find yourself needing to make a claim for damages that you were not only at-fault for but that you caused as well.

When an accident occurs, you will often be required to file a claim to get your loss reviewed and then covered.

If you carry the correct coverage option on your policy for an unexpected loss, such as comprehensive or collision coverage, then your insurance company may help you repair or replace your vehicle.

It’s important to remember that most of the policy options that cover you when you are at-fault may require a deductible, which you may be required to pay before your loss is covered. In some instances, your provider may be willing to deduct the amount you are required to pay from any claim settlement they offer.

If you have concerns about how this coverage would work in the event of a loss, speak to your insurance carrier about your policy and its terms.

If you find that your current policy does not meet the coverage needs or terms that you require, you can look at other insurance providers to get quotes for coverage elsewhere.

Each provider offers different coverage options at different prices, meaning some providers may offer more agreeable terms compared to your current provider.



Choosing to file a claim for losses that have occurred is often your prerogative, regardless of who is at-fault. In instances when you are at-fault, however, you may feel that your policy is not designed to help you recover from the loss.

It’s important to remember that you can make a claim on your insurance even in situations where you are solely responsible for what has occurred; though stipulations may apply.

You will often still have to pay a deductible for claimed losses, though this can vary depending on the loss and the policies put in place by your insurance company.

Every company is different, which means that yours may have rules and guidelines that other companies do not have in place.

If you have questions about how your insurance company handles incidents of this nature, speak to your company before a loss occurs.

If you are also looking for better auto insurance rates, start comparison shopping today by entering your ZIP code below!