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Navigating the complexities of car accident property damage claims can be challenging. This FAQ guide addresses key questions about the claims process, ensuring you understand your entitlements and the steps to take after an accident. If you need assistance, finding an experienced attorney near you can significantly aid in resolving your case effectively.
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Learn how to navigate car accident property damage claims with our comprehensive FAQ. Discover what you're entitled to recover, how to choose assessment methods, and the importance of consulting an experienced attorney near you for optimal support and representation.
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An attorney standing beside a car accident victim inspecting a damaged vehicle, surrounded by symbols like repair estimates, a rental car, a police report, and a scale of justice, symbolizing legal support for property damage claims.
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Jan 28, 2025 08:36 PM
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Car Accident Property Damage Claims FAQ: 5 Key Questions Answered
Car accidents can cause damage and uncertainty. Once you have dealt with the initial accident, you may wonder what to do next. Read on to learn the answers to FAQs about the steps involved with filing car accident property damage claims.
What Should I Do First?
The first thing you should do during the claims process is to contact your insurance company. You should also contact the at-fault driver's insurance company to inform them of the accident. You will want to arrange an assessment of the cost of repairs. You should also ask about a rental car if you need one. If the at-fault driver has not yet reported the motor vehicle accident and accepted fault, their insurance company may want to collect more information. This might include a police report if one was filed, witness accounts from the accident scene, statements, and photos. You may be able to speed up the process by getting a copy of the report yourself (if one exists) and furnishing it to them.
What Am I Entitled To Recover?
Although there are some caveats based on your location and the specifics of your insurance policy, the basic rule is that you are entitled to recover the difference between the value of the car immediately before the accident and the value of your vehicle immediately after the accident. This value is determined by either the cost of repairing the damaged property or by the fair market value of the vehicle, which is usually determined by its Blue Book value. You may also be able to file a diminished value claim in addition to your personal injury case.
Who Chooses Which Assessment Method Is Used?
The car insurance company will make this decision based largely on the estimated cost of repairing your vehicle. In most states, the insurance company will likely declare your vehicle totaled if the vehicle damage repair costs are more than 75% of your car's Blue Book value. If this is the case, the company will reimburse you for that value. This means the vehicle is a "total loss" and subject to a salvage title.
How Many Estimates Should I Get?
The number of estimates you should get depends on the state in which you live and who insures your vehicle. If your insurer can provide a list of reputable collision shops where a professional adjuster can make an accurate determination, one estimate may suffice. If your insurer can't provide such a list, it's wise to get three estimates. The common practice today is for the auto insurance adjuster to make an estimate of the repair costs. If the insurance company determines the vehicle can be repaired, you can then arrange with the repair shop of your choice to have the work done. Sometimes, a body shop will have to remove the outer shell of the car to find all the damage from the accident. If a shop finds damage that the adjuster overlooked or underestimated, the shop will contact the adjuster to work out additional payment, known as a supplement.
Am I Entitled to a Rental Car?
You are entitled to recover for the loss of use of your vehicle. This is usually determined by the cost of renting a reasonable replacement, but the insurance company is not required to arrange a rental car for you as long as they cover the associated expenses. In that case, if you rent one yourself, you are entitled to recover that cost. Even if you don't rent a car, you are still entitled to be compensated for loss of use.
Conclusion
Dealing with an auto accident can sometimes be quite simple. Occasionally, however, you'll need the help of an experienced car accident attorney. They will know how to deal with insurance companies and other parties involved in the personal injury litigation process. If you're confused and need some advice, contact a car accident attorney for a case evaluation. Remember, there are strict time limits called statutes of limitations for bringing personal injury claims. If you've suffered bodily injury or personal property damage, contact an injury lawyer from a reputable law office. Remember, having a skilled attorney near you can make a significant difference in navigating the complexities of these cases and ensuring you receive the support you need. ReferU.AI is the only platform that leverages AI to efficiently and accurately assess each user's unique legal needs and objectively recommend attorneys based on their proven success in similar cases according to actual court records. By providing smarter results, users gain easier access to better representation and outcomes. Visit ReferU.AI to find an attorney near you today.
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