Escaping a car accident injury free is something to be very thankful for. However, in the aftermath, you may still have to deal with the problem of vehicle damage.
Vehicle damage goes hand in hand with car accidents. From a minor fender bender to a total write-off there are many degrees to which a vehicle can be damaged. In this article, we will discuss vehicle damage and how it is dealt with by insurance companies.
What Can I Get back?
A standard insurance policy should guarantee you monetary compensation for any damages your car receives. The amount should be enough to either pay the repair bills or replace the car with an equivalent model.
The first thing the insurance company will do is decide whether or not it is worth repairing. This is assuming you have the right type of coverage (more on that later). All small to moderate damages, things such as parts, panels, and paint jobs are considered worth the trouble of repairing.
As long as the damage is relatively isolated on the vehicle and the repair bill doesn’t become too high. Essentially, this will depends on the value of your car and the amount of damage.
Extensive damage to a vehicle often leads to it being “wrote-off” by the insurance company. Cars are written off when they have endured so much that they are not worth the cost of repair. A car is usually considered a total loss if the estimated repair cost is more than its value.
Most insurance companies go to 75% for repairs, after which they will write a car off. When this happens, they pay the client the estimated value of the car at the time of the accident. So if a car is worth $4000, and the repair bill is $3500, the client will get $4000 to buy a new car. A heavily damaged car is far more likely to breakdown than a car that had never been damaged. This is true even if the car has been completely repaired and inspected.
Some insurers handle their estimates in-house, while others will use independent mechanics. If any hidden damage is found by the mechanic a claims adjuster is called in to alter the estimate.
Types of Coverage
This ensures that you will be reimbursed for damages even if you are at fault for the accident. If the other driver has coverage and was to blame, collision coverage does not need to be claimed. If the other driver does not have coverage, you will need to use your collision coverage.
This coverage covers both car accidents and miscellaneous damage like trees falling on your car. If the person at fault is insured then you do not need to make this claim. This coverage works with cars that were damaged whilst parked and nobody was around to be made accountable for it.
Disagreeing With Your Insurance Company
There are very few options available to you if you disagree with the insurance companies estimates. Basically, you either have to accept their decision or file a lawsuit against them. Any kind of legal dispute with an insurance company will certainly require the help of a legal professional. If mechanical evidence suggests you are being short-changed then this is a good route to go down.
Car accidents are stressful and time consuming. It a relief to escape them unharmed, but there is still the matter of getting back on the road again. If the insurance process becomes complicated, you should seek the help of legal professionals.
Accidents.law is an online resource with access to legal professionals that can help you in your car damage case. If you have any questions or comments please leave them below and our team will get back to you.