Auto body shops deal with insurance companies every day, so they know the ins and outs of the different coverages. According to Crone’s Auto Body in Covington, KY, who and what gets covered depends on the type of insurance you have. Fault and no-fault policies are among the most common for drivers, and it’s important to know what each one does for you.

At-Fault vs. No-Fault Insurance

At-fault insurance is the most common type and is usually less expensive than no-fault insurance. It means that after a car accident, the insurance companies will try to determine which driver caused the wreck. Once fault is determined, the at-fault driver is responsible for paying the other driver’s damages. Along with injuries and mechanical repairs, this usually includes collision repair work from an auto body shop.

No-fault insurance, on the other hand, pays your damages even if you caused the accident. Even with a no-fault policy, you’re still required to carry liability insurance. Also, some states have laws limiting or restricting no-fault insurance policies. Check with your insurer to see if no-fault policies are available.

How Is Fault Determined?

Insurance companies determine fault using many factors. These include written records and photos of the accident, verbal testimony from drivers, visual inspection by a claims adjuster, and police reports. Even if it’s determined you’re only 51% responsible, it still counts as being at fault in the eyes of the law.

If you’ve been in an accident in the Covington area, Crone’s Auto Body can work with your insurance company if you need collision repair. Call the auto body shop at (859) 356-1800 to make an appointment, or go online to learn more about their third-generation family business.