Does car insurance pay for repairs when you're at fault?

If you have purchased collision coverage for your vehicle, the insurance company will reimburse the cost of repair or replacement, whether or not you are at fault in an accident.

Does being the at-fault driver in the event of a collision affect insurance coverage?

Yes. If you are the victim of an accident that is not your fault, your car insurance will cover the cost of repairing your vehicle. However, if you are responsible for the accident, you will not be covered. On the other hand, if you have taken out collision insurance, you are covered, whether or not you were at fault in the accident.

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Q: What is collision insurance?

Collision insurance covers damage to your vehicle, whether or not you are at fault in an accident. It also covers damage caused by a collision with an object such as a fence or garage door. This is optional insurance that you can add to your car insurance policy. So if you're involved in an accident and you've taken out collision insurance, your vehicle will be covered, and you won't have to pay for repairs.