If your car is damaged in a accident caused by another driver in Maryland, D.C. or Virginia, the other driver's insurance company should pay for the damage that the body shop says is necessary to fix your car - after all, it was the other driver's fault.
But what if the other driver's insurance company says it wasn't their driver's fault? They say it was your fault.
There are two basic options. First, you can fight them buy suing their driver for the property damage (the damage to your car) that he caused. Or, your insurance company can do this for you - if you have the right insurance - they will pay for the damage to your car and then sue the other driver for subrogation to get their money back.
Most people use the second option (again if they have the right insurance) because they need to get their car fixed and working again. You will have to pay your deductible but can later get that back if your insurance company wins the case.
If you have a question about an accident or whether you have the right type of insurance coverage in D.C., Maryland or Virginia, call us at (202) 393 - 3320 and you can set up a telephone appointment to review the insurance with you or answer any questions you may have.