Auto Insurance Claims: How two insurance make payments after sharing liability?, own insurance, insurance company

Question
Assuming the liability is 50/50, does it mean the other car insurance pays 50% and its own insurance pays the rest of 50% after the deductible? Can you explain it? Thanks.


Answer
Hi Ack,

It would depend on your state. In some cases each insurance company would pay 50% of the others damage and each parties insurance company would pay the other 50% after the deductible. In other states if you are 49% liable you can not collect from the other party and in still other states if you are 1% liable you can not collect from the other party. You will have to wait until a liability decision is made and then ask your adjuster how it is applied in your state.

I hope this helps
Richard Hixenbaugh