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[britannica.com](https://www.britannica.com/EBchecked/topic/553252/solicitor)If the accident was the opposite driver's fault, and this fault is accepted by the third social gathering's insurer, then the automobile proprietor may be able to reclaim the excess payment from the opposite individual's insurance company. If one's automobile is asserted to be a " write off " (or " totaled "), then the insurance firm will deduct the surplus agreed on the coverage from the settlement payment it makes to the owner. Some car insurance coverage do not differentiate in regard to how a lot the car is used.
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