People often have questions and concerns about their car after they have been involved in an accident. If the accident is your fault, your only hope of getting paid for the value of the car or having it repaired is through your own insurance company.
Your insurance company only pays if you have collision, or full, coverage on you your car. If you have only liability coverage and the accident is your fault, the only way the car will be repaired is if you pay for it out of your pocket.
If the collision is not your fault, getting your car repaired or replaced can be difficult.
Make sure you notify your own insurance company. They can help getting the other driver’s insurance to accept responsibility and pay you for your car. Immediately remove your personal items from your car. Often the car is towed quickly. Take pictures of your car, particularly if you are injured. Some insurance companies try to dispose of vehicles as quickly as possible if the car is totaled.
What if the other driver’s insurance is stalling? As long as the other driver has insurance and is at fault for the accident, his insurance company will ultimately be responsible for paying for your car. The process of accepting fault for the accident may take some time. The insurance company is entitled to investigate the collision for a reasonable amount of time prior to determining fault and paying a claim. If the other driver’s company does not pay after a reasonable period of time, you can elect to have your own company pay for the car if you have collision coverage. You will be responsible for the deductible, which will be reimbursed when the other carrier accepts fault. If the other insurance company does not accept fault, you will have to file a lawsuit against the driver who hit you to recover the property damages.
Be sure you keep receipts for towing and any storage. You may need to pay to have your vehicle moved if it is incurring storage costs. You are responsible for minimizing cost if possible and you could be responsible for excessive storage costs if you do not move the vehicle.
Whether a car is “totaled” depends on both the value of the car as well as the amount of damage. If the damage to the car is more than the car is worth, it is a total loss, even if the car still can be driven. Most insurance companies consider a car totaled if the cost to repair the car exceeds 70% to 80% of the value of the car. If the insurance company determines that your car is a total loss, you may keep your car but will have to deduct the salvage value from your proceeds.
The value of a particular car is determined according to industry standards. N.A.D.A and Kelly’s Blue Book will give you accurate values of your car. The insurance company may be willing to negotiate some if you have good documentation to support your valuation.
Unfortunately, the insurance company is only required to pay you the value of the car. If you have purchased gap insurance, that policy will make up the difference. What you owe on the car does not change the value of the car.
Yes, you do not have to use the shop suggested by the insurance company. If your body shop charges more to fix the car than what the insurance company estimated the repair costs to be, the insurance carrier still has to pay for the repairs. Make sure your body shop has the name of the responsible insurance company before doing the work.
If your car is a total loss and not able to be d rive, the insurance company is required to provide you a rental car (comparable to your car) for a reasonable time after they pay you for the value of your car. A reasonable time usually means one or two days for you to purchase another car. You must give the rental back or pay for it yourself after this time. If your car can be repaired, you are entitled to a rental car while your car is being repaired.
You insurance company should pay for the damages to your car through your uninsured motorist coverage. In this case, you do not have to pay a deductible and it will not affect your insurance rates. Even if you only have liability insurance on your vehicle, you can get paid for the damage to your car in this situation. You only need to rely on your collision coverage when an accident is your fault. Getting your car repaired after a collision can be frustrating and time consuming. If you have any questions we will be glad to try to answer them.
When most people imagine the compensation available to them following a car crash, they think about recovering payments to cover their medical bills. While this is certainly the main focus of many cases, the at-fault driver and his or her insurance company are liable to pay for all of your losses.
In many situations, compensation from the at-fault driver includes the costs needed to repair your car. While your insurance policy may cover some of the costs of car repairs after a Charlottesville car accident, you may still need to pay the policy’s deductible. A vehicle wreck attorney could help pursue lawsuits and insurance claims to seek out the money you need to fully recover. Call our office today to set up your consultation.
The purpose of a claim is to put you back in the position you would have been in had the incident never occurred. For instance, if the collision requires a complete rebuild of the back end of your vehicle, the at-fault driver is liable to pay for the repairs.
Even so, there is a distinction between damage caused by a crash and possible preexisting condition flaws. Unless the event resulted in a total loss, the at-fault driver must only provide compensation for the damage that he or she caused. Working with a local attorney could help you connect the defendant driver’s negligence to the damage to your vehicle. Skilled legal representatives could also help gather repair estimates and demand proper payments for the necessary remedial work.
Car insurance policies in Virginia are not required to contain provisions for the carrier’s own property, which means you may need to collect the full cost of car repairs from the at-fault driver. However, most people have some level of protection on their policies for their vehicles, and it may cover a portion of the costs of repairs or even the total outlay. Here, obtaining payments to repair a car may involve a combination of claims against one’s own policy and seeking compensation from the other driver. If you need to pay a deductible on your policy, you can demand that the at-fault driver cover this cost.
The Code of Virginia § 8.01-243 dictates that injured parties have five years from the date of a collision to demand compensation for their losses. However, many car crashes also inflict personal injuries. In these situations, the time limit to pursue a case shortens to two years. For this reason, you must get to work with a lawyer immediately to demand payments after your accident.
A significant concern for many motorists is how to pay for the needed car repairs after a Charlottesville car accident. If another driver causes the crash, he or she must provide compensation for the sum of your out-of-pocket costs. This can include repairs not covered by your insurance policy and even your deductible.
Dealing with vehicle damage after a crash can be stressful, especially when insurance companies delay or dispute responsibility. Understanding your rights and the steps to take can make a significant difference in how quickly you recover compensation.
Collecting these payments is only possible if you can show that the other driver was solely to blame for the crash. An experienced attorney could take the lead in gathering the evidence necessary to prove this concept, work to present information concerning your property damage, and fight for every dollar that you deserve. Reach out to The Warren Firm today to get started.
