If I Caused a Car Accident, Will My Insurance Fix My Car?

Yes, generally your insurance can help repair your vehicle even if you caused the accident, provided you have collision coverage. In Texas, insurance companies have a legal duty to act in good faith and uphold their contractual obligations to their insureds. This includes providing coverage for physical damage to your vehicle, defending you in liability claims, and acting reasonably even if you are at fault.

When you report an accident to your insurance company, they are obligated to investigate and adjust your claim fairly. If you have collision coverage, your insurer will typically pay to repair your car minus your deductible. This ensures you can get back on the road quickly without waiting for the other driver’s insurance, which may dispute fault or delay payment.

Even if the other driver was at fault, Texas law allows you to use your own insurance to get repairs started. Your insurer may then pursue subrogation, meaning they can recover the cost of repairs from the at-fault driver’s insurance company. This process usually reimburses your deductible as well.

Insurance companies also have a duty to defend you against third-party claims, which can include lawsuits arising from accidents you cause. Acting in good faith means your insurer must handle both property damage (your car) and potential liability claims responsibly, without unfairly denying coverage or leaving you unprotected.

In short, your insurance exists not only to repair your vehicle but also to protect you legally and financially after an accident, even if you were at fault. By promptly notifying your insurer and cooperating with their investigation, you ensure that your rights and property are safeguarded under your policy.