If I was in an accident and neither driver was at fault because the traffic light was broke. Does the other drivers insurance have to pay for my car?

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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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UPDATED: Jul 26, 2014

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Insurance Question from Philadelphia, PA

Asked on 07/26/2014

If I was in an accident and neither driver was at fault because the traffic light was broke. Does the other drivers insurance have to pay for my car? We both had green lights due to an accident that happened earlier. The police were out there directing traffic and then all of sudden left the scene. So the there was no way of knowing the traffic light was faulty.

Answer given on August 03, 2014

If you and another driver were involved in an auto accident and no fault is determined due to the malfunctioning traffic light, then each of your insurance companies will handle the claims with each of you. Your insurance company will work with you to repair your car, but your deductible will apply to the damages to your car. The other driver will have the same situation with his insurance company.It is possible that your insurance rates will be affected by the accident and settlement. Check with your insurance agent or company to see if they will consider this an at fault accident or not. There is usually a threshold of $700 or so and if the damages are below that then the rates are not affected. However if the damages were over that amount your rates may go up. See if the amount you will collect is worth the additional cost of the insurance. If not, you may choose not to file the claim.

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