Who is responsible to pay for your property damage repairs after a car accident in California? It depends on how the collision occurred. There is also a question of timing: who pays at first might not be who pays at the end of the day. Often, it is just as simple as that. You get it an accident that was not your fault and the other driver's insurance company pays for your car repairs or pays you the Blue Book value of your vehicle if your car was totaled. The insurance company does not give you another vehicle that is equivalent of yours.