After a car accident, getting your car repaired may be the first thing on your mind. After all, you may need your vehicle to travel to and from work, take your kids to school, and enjoy your lifestyle. Unfortunately, the process of getting your vehicle repaired can take time and insurance companies don’t always make it easy. Understanding the uphill battle you may face is important to making it through the process of getting your car repaired. Here are some helpful tips on how to get your car repaired after an accident.
When The Other Driver is “At Fault”
Before you can get your car repaired, you must determine who is at fault for the accident. The “at fault” driver’s insurance company should be responsible for covering car repair costs. However, they will only pay up to the limits of the driver’s policy. If the at-fault driver’s insurance policy has a policy limit of $25,000, then their insurance company will only pay the first $25,000 in damages. If your repairs exceed this amount of money, then you will be stuck with the remainder of the expenses.
If the other driver doesn’t have enough money, you may be able to use your own comprehensive or collision insurance to cover the cost that exceed the “at fault” driver’s car insurance limits. If the driver didn’t carry insurance, and you purchased UM/UIM insurance, then you may be able to use this insurance to cover the cost.
When You’re At Fault
If you were the one who caused the accident, you will need to lean on your own insurance policy to cover your vehicle’s damages, as well as the damages to the other vehicle. If you own comprehensive or collision coverage, then you will be able to use this coverage to have your vehicle repaired – up to the limits of your insurance policy. You will be responsible for paying any deductibles before coverage will kick in.
Filing an Insurance Claim
Once you’ve determined who is responsible for your car accident and damages, you will need to file a car insurance claim. Once you’ve reported the accident, the insurance company may send an inspector out to have your vehicle inspected. Other insurance companies may allow you to have your vehicle inspected at a body shop. In some cases, you may be able to have your vehicle inspected at the repair shop of your choice.
During this inspection, the damage will be assessed and an estimate prepared as to how much money it will cost to repair. Often times, the insurance company and the auto repair shop disagree over the damage estimate. When this occurs, they will need to meet to discuss the process and arrive at a fair estimation.
Once the damages have been inspected and estimates agreed upon, the vehicle will need to be repaired. The insurance company may send a check to the repair shop for the repairs, or the insurance company may ask you to pay for the repairs and seek reimbursement from them. Be cautious if choosing this route, however, since you could end up paying more out-of-pocket expenses than originally agreed upon.
Contact Our Denver Car Accident Attorneys
At the Gold Law Firm, our Denver car accident lawyers can help you get your vehicle repaired quickly. We work with insurance companies to ensure that you are receiving the money you are entitled to every step of the way. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.