Not At Fault… So Why Is My Insurance Paying?

You’re in a car accident.
It’s clearly not your fault.
The other driver has insurance.

So why is your insurance company getting involved?

In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral clip featuring a frustrated driver dealing with a “not at fault” accident — and the confusion that followed when the at-fault driver carried low state minimum limits.

video reference: https://www.instagram.com/reel/DMp9WfLgOsD/?igsh=cWxvMm42MjNqZXk2

They unpack:

The difference between collision coverage and underinsured motorist coverage

Why your insurance may step in even when you’re not at fault

How state minimum liability limits create claim complications

What “subrogation” actually means

Why deductibles get reimbursed (and how that process works)

How frequency of claims can impact renewal — even when you didn’t cause the accident

Why claim coding mistakes can follow you for years

The episode also tackles a bigger issue: consumers often hear one side of an insurance story and assume the worst. But as Dennis and Stephanie explain, there are usually three sides — your version, their version, and what actually happened.

If you’ve ever wondered whether filing a claim will raise your rates, get you non-renewed, or hurt your insurance record — this episode is your crash course in understanding how insurance “buckets of money” really work.

📩 Questions or comments?
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📞 Call: 817-753-0093

⏱ Chapters

00:00 – Breaking Down a Viral Insurance Clip
01:22 – The “Not At Fault” Accident Story
04:39 – State Minimum Limits & Why It Matters
07:45 – Collision vs Underinsured Motorist Coverage
11:22 – How Claims Get Coded (And Why That’s Important)
14:08 – Claim Frequency & Non-Renewal Concerns
16:25 – Why You Should Push Back During a Claim
20:58 – Negotiating Settlements & Total Loss Valuations
24:16 – Final Thoughts: Ask Questions

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Call: 817-753-0093