How Does Auto Insurance Work In An Accident? 
My state , Florida , is a no-fault state . This means that each car is required to have a minimum amount of coverage . At the time of this writing , that is 10,000 per person / 20,000 per accident -LRB- this is medical coverage for you - and family if that option is chosen -RRB- and 10,000 property damage -LRB- this is for the other person 's car -RRB- . There are lots of additional coverage that may be added to this minimum coverage ... for example additional liability for people and for property , rental car and towing coverage . Regardless of fault , the first responding policy is your own , regardless of fault . At the time of the claim , the parts of the policy that are applicable will be utilized by the adjuster to pay the claim . If the value of the personal injury portion of the claim exceeds the minimums and if the at fault party has additional liability on their auto policy , then the at fault parties insurance would be responsible for additional payment . If the at fault person does not have additional liability and if you purchased uninsured motorist coverage on your policy , then your policy pays the additional personal injury . 