Your insurance policy is a contract between you and the insurance company. In exchange for paying your premiums, the insurance company agrees to provide you with coverage if an accident occurs. When an accident happens, you must report it to your insurance company. If your vehicle was damaged or anyone was injured, you would file a claim for car repair (if you bought collision and comprehensive coverage) and for payment of your medical expenses. If you can’t work for a while because of your injuries, your insurance may potentially cover your lost income. The claim is investigated, and if everything goes smoothly, the claim is paid. There are times when claims are not as smoothly resolved, such as when each driver says the other is at fault and/or the evidence is unclear. Just because a driver is partly at fault for an accident doesn’t always mean they won’t receive compensation; they’ll just typically receive less than if they were not at fault.