After an accident, it's always your insurer who indemnifies you, regardless whether or not you were liable for the accident. The compensation will depend on your policy coverage and your liability in the accident.

Your insurer always assesses your degree of liability. He does that to establish the compensation to which you'll be entitled.

Are you 0%, 50% or 100% liable? He'll establish your liability using a document entitled Direct Compensation Agreement.

You will be compensated if you purchased Collision or All Perils coverage under Section B of your policy. You'll have to pay the policy deductible.

If you only purchased the civil liability (Section A of your policy), you will not be compensated.

You weren't at fault for the accident? You'll be compensated by your insurer even if you didn't purchase Collision coverage.

And you won't have to pay the policy deductible.

Auto tips

Endorsement 27: coverage for damage to vehicles you do not own

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