Several different companies may be responsible for your car repairs or to replace your car if it is totaled: The insurance companies for the defendants. The insurance company for the driver that negligently struck you, the owners of the car that struck you, and other liable companies are primarily responsible for the damage to your car. Your UM/UIM carrier. If the defendants didn’t have liability insurance or only had a limited amount of insurance, your own uninsured/underinsured (UM/UIM) carrier should pay for the damage. The owner of the car could ask his/her collision insurance carrier to pay for the car damage if you caused the accident. Your collision carrier may also pay your car repair costs upfront provided they are reimbursed if there is a settlement or a verdict in your favor.