What if you were driving down the road to the gas station and along the way, another driver hit you with your vehicle? Now there are all new things to consider about how you will go about getting your car repaired after damage has been done to it. However, there are many things that you must first consider. For instance, who was at fault for the accident? What type of car insurance coverage do you have? Was the other driver insured? Now you can find out more about your rights and what decisions must be made before repair occurs.
Of course, the most important question boggling your brain may be: Who pays to fix my car? Many things can fall under vehicle repairs, such as minor scratches and major body work. However, the vehicle may even be deemed as much as a “total loss,” which means that the at-fault driver will be on the hook for the market value of the vehicle after the accident has occurred. Here are a few situations that may occur when you are trying to figure out how the repairs will be paid for:
- Other Driver’s Property Damage Liability Coverage: It is a requirement for a driver to buy liability insurance for registered vehicles. What does this mean for you? After an accident, property damage liability coverage will kick in to pay for any damages that you have received to the vehicle. However, there are circumstances in which the at-fault driver does not have insurance or you are seen as responsible for the accident. Where do you turn now?
- Own Collision Coverage: Your own car insurance may pay for the damage done to your vehicle, which is like a “no-fault” insurance. This will cover damages up to the coverage limits, regardless of who was at fault. However, you will be fully responsible for the deductible. This is usually somewhere around $500-$1,000, even though you still retain the right to get the deductible back.
- Pay Out of Pocket and Seek Reimbursement: You must be careful when using this method. The reason why is because the insurance adjuster could determine that you overpaid for the repairs, which means the work may not be fully covered. Also, the other driver may put up an argument on issues like fault for the accident or the extent of damage to your vehicle. If this happens, it could be a long time before you are reimbursed.
What Happens When Your Vehicle is Actually Repaired?
First of all, you will have to get a damage estimate. An estimator will usually come to you and estimate the cost of repairing your car in full. If your car can fully function, then companies will probably ask you to drive your car to their closest estimating facility. Next, you will want to choose the proper repair shop. Some insurance companies write their policies so that they are legally responsible for selecting the repair shop. They will then send you somewhere that gives favorable rates.
So, there you have it – there are options available that will get
the damage fixed that has been done to your vehicle. It’s all a
matter of figuring out what options there are, what works for you, and
what can be done. If you have been injured in a
car accident, you will probably want an attorney on your side that can work with you
to get you the compensation you deserve. Find out more by calling Welebir
| Tierney for more information. Call today.
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