Do I need to pay back my car insurance company after an accident? A viewer from Smyrna writes in and asks Attorney Ben Schwartz for the answer!
Hi, I’m Attorney Ben Schwartz.
Today, we’re going to answer a viewer question. Alex from Smyrna, Delaware wrote in and asked, “I’m getting a settlement from the at-fault driver’s insurance company after my car accident. Do I have to pay back my insurance company out of the amount I receive?”
It depends on the state where the car accident occurred. It also depends on the car that you are driving; i.e., where is it registered and insured. Alex, I’m going to assume that you are a Delaware driver. You drive a vehicle that is registered and insured in Delaware, and you were in an accident in Delaware. So, I can tell you that you do not have to pay back your insurance company from the settlement you receive from the at-fault driver’s insurance company if you are in an accident in Delaware.
Your own insurance company pays for your medical bills and your lost wages resulting from an accident. You get a settlement from the at-fault driver’s insurance company, and you do not need to pay back your insurance company for what it paid for, like medical bills and lost wages. I hope that answers your question, Alex.
My name is Ben Schwartz. If you have a question that you would like answered on the air, please send me an email below. If I can’t answer it on the air, I can talk to you about coming in so I can give you more details.
Thanks for watching! I appreciate you and I hope you found this informative and helpful.