Why should I use my auto insurance when the accident was someone else’s fault?Return to FAQ Videos
There are indeed situations where you should use your automobile insurance coverage even when the accident was someone else’s fault. First reason is because you’ve been paying for that benefit each month to the insurance company, so unless you want to give them free money, use the insurance. That’s what it’s there for. Second reason is because the person who is at fault may not have the kind of insurance coverage to protect you, so protect yourself, use the insurance that you’ve been paying for.