After being in an accident, car damage is one of the most common things you may be forced to deal with. Even when you have not been injured, the cost of replacing or repairing your car can be high, and the entire process is frustrating. Here are a few tips to help deal with car damage after an accident.
1. Contact an Attorney
Contacting your attorney will ensure that you get the maximum compensation possible. Whether you choose to file a claim or settle out of court, they will represent your best interest. Lawsuits can be complex, and you may have trouble understanding them without guidance. A good lawyer will let you know what to expect and what you can do to improve the strength of your case.
Even though you can try to get compensation for your vehicle repairs, an error on your part can ruin your chances. Your lawyer will help you determine who was at fault. According to the experts at https://the702firm.com/, attorneys handle evidence every day, and they know what is relevant. They can offer advice to strengthen your case and help you to figure out your next move.
2. Find Out What Is Covered by Insurance
If the accident was a result of someone else’s negligence, you might be eligible for compensation. You will receive compensation for the cost of replacing or repairing your car, depending on the severity of the damages. You may also be compensated for the property inside your car. This may include your electronics, sporting equipment, and clothing.
Insurance may cover you through three main sources:
If the other driver has property liability insurance coverage, and they were at fault for the accident, you will receive compensation for the standard amount of repairing your car.
If your auto insurance covers collisions, you can use it to pay for the cost of repairs. It is the fastest way to get your car back on the road. The cost of repairs will be paid out even if you were at fault. You will need to pay a deductible, and it will be returned to you as soon as the defendant’s insurance company pays your insurance provider.
If you have to get a rental as you wait for your car to be repaired, rental reimbursement coverage may help you pay for it.
Uninsured Motorists Coverage
If the other driver had no insurance, your uninsured motorist coverage might come in handy. This coverage also helps when you have trouble identifying the other driver. However, you may need to pay a deductible.
3. Plan to Get It Repaired
If the Car Is ‘Totaled’
If the cost of repairing a car is higher than its original worth, it is considered a ‘Total Loss.’ Your insurance company will compare the estimated repair cost and the amount at which it would have been sold before the accident, and they will pay whatever amount is less. When trying to determine the fair market value of your car, they will consider the price of similar cars on websites, local car dealerships, and newspapers.
If It Is Drivable
Contact the other driver’s insurance provider and ask about the approximate cost of repairs. An insurance adjuster will schedule a time to inspect it. They may ask that you drive your car to their location. Once you have an estimate, drive your car to a body shop, and ask for another estimate. If the first and second estimates are close, have the body shop contact the insurance provider. You will receive a check to cover the cost of repairing the car.
If you have trouble getting an estimate from the insurance provider, get estimates from a few body shops in your area. The insurance provider will write a check to the lowest one.
If It Isn’t Driveable
If you cannot drive your car, the insurance provider will send an adjuster to you. They will give you an estimate and issue a check for repairs. If your car was towed, get it to the body shop as soon as you can to avoid paying high storage fees.
Having your car damaged in a car accident is not something that anyone hopes to go through. However, accidents happen, and they are likely to cause significant damage. Knowing what to do can save you a lot of time. One of the most important things to do is get the opinion of a lawyer. Legal representation will ensure that you maximize your compensation. You do not need to deal with legal troubles alone.