To add on a hypothetical:
If someone drives into you and totals their car and hurts you while you are on work business, they only worry about paying for your costs. The car is a tax writeoff to them.
If someone drives into you and totals your car and hurts you while you are on work business, they need to now worry about paying for you and your car.
LemmyThinkAboutThat@lemmy.myserv.one 1 week ago
Hypothetically, yes but there are injuries and other factors involved. Also, who does the car belongs to?
In many states, if you (car 1) are hit from behind, it is their (car 2) fault. Fault needs to be determined to establish who is legally responsible for the financial burden for property damage, injuries, etc. **
The insurance companies will determine if a vehicle is totaled; if the total repair cost is more than the vehicle’s Actual Cash Value then the vehicle is a total loss.
Again, any collision where injuries are involved is always complicated. Fault needs to be determined in order to establish legal responsibility. ***
**There are 16 states in the US with No-Fault Insurance Laws. Drivers in these states are required to have Personal Injury Protection (PIP) on their car insurance policy which helps pay for medical costs after a vehicle accident regardless of who caused it.
***Workers’ Compensation is a type of insurance that provides salary replacement and medical benefits to employees become ill or injured because of their job. This is not my area of expertise.
I didn’t realize until now, I’m so sorry for the lengthy response.