In case the party who caused the accident acknowledges his fault and submits a claim to his insurance company, you can ask for a full compensation to cover the repair cost of your vehicle. If both parties (i.e., you and your counterpart) are at fault, however, each one should file a claim with his/her insurance company. In such a case, the concerned insurance companies will look into the matter at hand to determine who was really at fault. When submitting your claim, be prepared to bear the deductable stipulated in your insurance policy. In either of the two cases referred to, the insurance companies will pay all the cost involved including that of towing and repair. We at OA offer you all the details related to an automobile accident free of charge, so please call or visit us for help right away if you had one.