Cars are designed to strategically sustain the force in a car crash to protect the occupants from a direct impact. However, this means a car may become severely damaged or even totaled in an accident. If you’re involved in a car wreck, it’s possible to recover financially for your property damage through the at-fault driver’s insurance or your own.
Right After the Accident, Protect Your Claim
To recover fairly for damages to your car or other valuable property, it’s important to take steps to protect your recovery, including:
- Documenting the accident scene and any exterior or interior property damage with photos, videos, and notes
- Keeping all receipts related to the accident, including towing costs, body work, internal vehicle repairs, and rental cars
- Knowing the value of your car, which you can find through online portals such as Kelley Blue Book by inputting your car’s year, make, model, and any special features
Who Pays for the Property Damage?
When seeking repairs for your vehicle, don’t skimp on costs by allowing a less-than-reputable mechanic to work on it or agreeing to install generic or cheap parts. There are ways to recover the costs of your damages, including:
- The at-fault driver’s insurance. In most cases, the at-fault driver’s insurance is sufficient to cover the costs of property damage in an accident.
- Your uninsured/underinsured motorist (UM) coverage. If the driver who hit you either left the scene or had inadequate insurance, the UM coverage on your own insurance policy could cover property damage.
- The driver’s personal finances. In some cases, if neither insurance policy can cover the damages, it might be necessary pursue compensation through a lawsuit. An attorney can help you understand if this is the right option for you.
When You Need a Lawyer, Call Us
If you’ve been in a car crash and need help with your property damage claim, we can help. At the Holton Law Firm, we’ve been advocating for our clients in and out of the courtroom for decades. To get our team on your case, give us a call today.