If you got into a car accident and your vehicle was damaged, you may have options for repair. It depends on who was at fault, the type of auto insurance the at-fault person has, and if the at-fault driver is insured.
Who Pays to Fix the Car After an Accident?
The at-fault party is the one who pays for the accident. The at-fault driver must also pay to replace the vehicle if it’s deemed a total loss after the accident. However, the at-fault party may not be the only one who pays for the repairs. Let’s look at a few instances:
The Other Driver’s Liability Coverage
If you own and drive a car, most states require you to have liability insurance. It will pay if you’re ever involved in an accident and are at fault. There are instances when the at-fault driver is uninsured. Don’t worry. You have options, even then as per personal injury lawyer in Lincoln.
Your Coverage for Collision
You can file a claim under your insurance, but you’ll be responsible for paying the deductible first. You can consider it as another type of no-fault insurance as it will cover all repairs on your vehicle after an accident. Additionally, it will give you the actual cash value of the totaled car/vehicle as per the current coverage limits, irrespective of whether it was your fault or the other driver’s fault that caused the accident. If you file a claim as per your own collision policy, there is a minimum of $500 deductible that is payable. You can pay for the repairs yourself and try to get your or the at-fault’s insurance company to pay you back if you’re in a hurry to get your car repaired.
Claims Process After an Accident
The process may vary slightly, depending on the nature of the accident and the claims process. However, there are four steps that any claims process will follow:
• Inspecting the damaged vehicle
• Assessing the nature and extent of the damages
• Multiple repair estimates
• The claims check
You can always rent a car if your car is going to take a while to repair and you need transportation right away. You can get a car rental if it part of your cover or you know that it would be covered by the defendant’s insurance after some time. If there is any issue with the insurance company denying or delaying the damages, you can always call on a personal injury lawyer —. They bring in depth knowledge and skills in the legal arena to put your case together, so it is good to consult with the lawyer.