Who is responsible for paying for repair of damages to my vehicle?
Generally, if the accident is not your fault, the other driver’s insurance company will pay for the damages to repair your vehicle. However, until it is determined that the accident is not your fault, repairs by the defendant driver’s insurance company will not occur.
In special circumstances such as when the other driver does not have insurance or sufficient coverage, even if the accident is not your fault, you may need to use your own insurance company if your policy has uninsured motorist or underinsured motorist coverage.
How can Venerable Injury Lawyers help me with the repair of my vehicle?
We can arrange tow service of your vehicle, set you up with a rental car and deliver your vehicle after the repair is completed. If the vehicle is deemed un-repairable, we make sure you receive a maximum value for your vehicle as soon as possible. We can also get you a compensation for other properties such as child seat, glasses, cell phones, and other personal items which have been damages in the accident.
When and where should I take my vehicle to begin repairs?
First step in the process is to get an estimate of the damage to your vehicle. Setting up a vehicle inspection may be put it off or delayed while the insurance companies determine liability. As such, we relentlessly press the issue for an estimate to be done as soon as possible. Insurance appraisers work for the insurance companies and so they will seek to minimize damages whenever possible. If they cannot see the damage, then they will not add it into their estimate. Specifically, this means they will not be tearing down the bumper to look at frame damage and they just will not engage in any removal of parts to see how far the damage really goes.
As a result, Venerable insures that the vehicle inspections are conducted at a reputable and competent auto body/repair shop. This way, when the estimate is conducted, the body shop representatives can be present to say whether or not the amount estimated to cover damage repair is truly sufficient to repair the vehicle – since they will be the ones actually conducting the repairs.
What happens if my vehicle is deemed a total loss?
A total loss occurs when the insurance appraiser determines that the cost to repair your vehicle is greater than the value of the vehicle itself. Thus, instead of repairing your vehicle and paying the greater amount, the insurance company will decide to not repair your vehicle and instead pay you the value of the un-repaired vehicle. The vehicle itself is then considered a salvage vehicle.
When an insurance company determines a vehicle is a total loss, they will make a “Total Loss Settlement” offer. They will provide you with a valuation of your vehicle and give you a cost breakdown. Depending on the ownership of the vehicle, some of that total loss payout will go to any lienholder, such as the financial lender, on your vehicle. In other situations, the insurance company will give you the option of keeping the vehicle, now considered salvage vehicle after the total loss determination. However, in the event you decide to keep your salvage vehicle, your payout will also be reduced by the scrap value of your vehicle.