Posts Tagged car insurance
What Should I Expect When I Am In A Motor Vehicle Accident?
Posted by admin in Vehicle Accidents on July 17, 2010
Property Damage Issues
After a motor vehicle accident, not only do you have to deal with any injuries that you suffered, but you also have to deal with a motor vehicle that has been damaged because of the accident. The property damage caused in a motor vehicle accident is inconvenient because you have to go without your car while it is getting repaired. Also, the defendant’s insurance company only authorizes certain repairs which can fall well below your expectations. As such, you have a situation of paint not matching or the vehicle not working like it worked before. Also, the defendant’s insurance company could simply declare your vehicle a total loss and give you a check for the fair market value of the vehicle, which generally does not reflect the true value of your vehicle.
The defendant’s insurance company can be difficult when you are trying to get your vehicle fixed. You are entitled to a rental vehicle while your car is being fixed, but the defendant’s insurance company can limit how many days you get a rental vehicle. Often times, it is almost better to call your own insurance company to get the property damage fixed, but, again, then you have to pay your deductible and you may not get a rental vehicle unless you have rental coverage on your policy. Hopefully, you will get back your deductible in the future since your insurance company will go after the other insurance company for this money. If you do not have rental coverage on your car insurance policy, then you have no vehicle while your car is getting fixed.