When you are involved in a collision, you want to make sure you get your car fixed as soon as possible so you can get back to your normal life. However, in order to get your car repaired, you need the money from the insurance company. The process of getting that money will be easier when you know what your auto insurance company is looking for in terms of estimates.
Accidents Where Other Party is at Fault
When you are not at fault, you get to choose who you will submit the car repair estimate to, your car insurance company or the negligent party's company. Unless you want to pay for the deductible, you should submit the estimate to the other party's insurance company. It will be extremely important, however, to get estimates done from licensed mechanics or the insurance company may reject them.
Now, while you must get the estimates done at a preferred mechanic, you are not required to have the work done there. After submitting the estimates to the other party's insurance company, you will receive payment for the repair. You can then ask for the money and take your vehicle to a mechanic you prefer, who may be cheaper than the preferred body shop. For more information on collision repair, contact a professional like Lombard Body & Fender Inc.
Accidents where you are at Fault or Unclear
If you have been in an accident where you are found to be at fault, or it is unclear who is at fault, you will need to submit your estimate to your personal auto insurance company. You will have to pay your deductible, and you will likely only receive a percentage of the damage. Therefore, if you feel that you were not at fault, it is best to get a lawyer to help with arbitration. A lawyer will help be you get a larger percentage of the damages, or they can help show the other driver was at fault and get your entire repair bill paid for.
Handling a Totaled Car
If you were involved in an accident where your vehicle was totaled, then you will need to be prepared to negotiate with whichever insurance company you turn to. If it was not your fault, you will be dealing with the other party's insurance company. However, if it was your fault, you will be talking with your insurance company. Before you turn to the insurance company, it is best to know the value of your car, which can be obtained by searching the Kelly Blue Book. It is important that you factor in all of the features, mileage, and what condition the vehicle was in before it was damaged. You want to take the number that is the highest, because the insurance company will take the number that is the lowest value. It is through negotiations that you will reach your payment. When that agreement is made, you will receive compensation after you sign over the title. Do not be afraid to bring in a lawyer when negotiating with the insurance company, especially if you feel that you are not getting a fair price.
Battling with the insurance company for compensation will be one of the hardest parts following an accident. Anytime you are concerned about how you are being treated, consult with a personal injury lawyer who is experienced with handling claims.Share