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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UPDATED: Feb 24, 2013

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Insurance Question from Lincoln, AR

Asked on 02/24/2013

if my truck is totaled and no witness is my insurance going to pay there was no other car involved there where no other cars evolved

Answer given on February 25, 2013

If you have a solo accident that results in the total of your car, then your insurance company will pay for the damages,or the actual cash value of your vehicle. There do not have to be witnesses to the incident.You must have collision coverage under your policy for this loss to be covered. Your settlement will be less the deductible under the collision portion of your policy.Contact your insurance company to start the claim process. They will investigate the damage to your vehicle. If it is considered a total loss, they will offer you the current actual cash value of the vehicle. This is based on multiple factors such as the Kelly Blue Book and local pricing for the vehicle.After the claim is settled your insurance rates will probably increase due to the accident. Most insurance companies increase the rates when you have an accident that is deemed to be your fault.


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