The mechanic that works on my car get into an accident. Should the insurance of the mechanic or his shop take care of the claim?

UPDATED: Apr 4, 2012

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UPDATED: Apr 4, 2012Fact Checked

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 4, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Apr 4, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Apr 4, 2012Fact Checked

In an auto accident, the insurance follows the car, so your auto insurance will pay for damages to any other vehicle and any injuries to other parties in the loss. If you have collision coverage, your policy will pay to repair your car less the deductible. After the claim is settled, your insurance company may try to recover the payments from the mechanic’s business insurance. If they are successful, your deductible will be refunded.Since the mechanic is not a driver on your policy, your rates will not be affected. The mechanic’s driving record will show the accident and his auto insurance rates could increase due to the accident.If your insurance company does not choose tos ubrogate against the mechanic, you could file a claim against his business policy for your deductible. You could also go to small claims court to try to get your deductible back, but hopefully your insurance company will subrogate.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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