In a car accident where nobody was ticketed or cited, the insurance coverage that pays for damages typically depends on the at-fault party's liability insurance policy and, in some cases, your own insurance coverage. It often depends on the laws of your state and your level of fault. If the car accident was caused by the negligence or fault of another driver, their liability insurance is responsible for covering the damages.
However, if the at-fault party does’t have insurance or their insurance coverage is insufficient to cover your damages, you may turn to your own insurance policy for coverage. However, you must have uninsured and/or underinsured motorist coverage. This coverage can help pay for medical expenses, property damage, and other losses.
Depending on which state you’re in, you can also use your personal injury protection (PIP) or medical payments (MedPay) policy. Both PIP and MedPay cover medical expenses, regardless of fault. Lastly, you could turn to your health insurance policy to cover some medical expenses. However, you may have to pay deductibles and other out-of-pocket expenses.