The person at fault may not report the accident to their insurance company.
The insurance company may delay investigating the claim and accepting responsibility for the accident.
The person responsible for the accident may not have insurance coverage. If this is the case, you will have to file your injury claim with your own automobile insurance policy. If you do not have full coverage you may not be able to make any recovery. This is why every automobile owner should always add "Uninsured Motorist and Underinsured Motorist" (UM/UIM) protection coverage, as well as "personal injury protection" coverage (PIP), when the buy automobile insurance. UM/UIM helps repay costs that the other motorist's insurance (or lack thereof) cannot cover. PIP pays some of the out of pocket costs for medical treatment that you incur after an accident.
If are still paying off your car loan, and you fall behind on your payments because of medical expenses or missed work after an accident, the bank or the car dealership may repossess your car.
You may have paid too much for your car, including financing costs and the sales price. If this is the case, and your car is a total loss, you may be "upside down" on you loan. This means that the value of your vehicle is less than the amount of the loan that you still owe. In other words, you may end up without a car but still having to pay more money to pay off the loan. This also makes it very difficult to obtain another vehicle. To help protect against this there is a type of insurance coverage called Guaranteed Auto Protection ("GAP") insurance that he is good protection to consider buying if you buy a new car. It is also a good reason to search for the best deal on a car, including buying a used vehicle to avoid paying the new car "premium" that puts your finances at risk if you have an accident.