Who pays to fix my car?

As a general rule, if someone else caused your car accident, that party can be held responsible for repairs to your vehicle. However, if you have an older vehicle that was damaged in your car accident, the insurance company may simply choose to declare your vehicle “totaled.” That means that the cost to repair your vehicle is greater than its entire value. The insurance company will simply pay the cash value of your vehicle. You can then choose whether to spend the money fixing your vehicle or purchasing another one. You can help show the cash value of your vehicle by providing real-world transactions for the same make and model of your vehicle.