If I was in an auto accident that was my fault, is my insurance company responsible for my bills or do I need to pay them?

I had to go to the doctor and chiropractor and I’m now receiving bills from them.

Asked on August 27, 2014 under Accident Law, Kentucky


Anne Brady / Law Office of Anne Brady

Answered 6 years ago | Contributor

The answer depends on whether you had collision coverage or only liability coverage.  In most states, the minimum requirement to drive legally is liability coverage, which, if you are at fault, only covers damages to the other driver and his/her car.  If you go the extra step and purchase collision coverage, then it covers your damages as well when you are at fault.

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