The following is a guideline of what to expect when handling a standard vehicle’s property damage loss:
REPORT THE ACCIDENT TO YOUR INSURANCE COMPANY IMMEDIATELY!
If you have Full Coverage Insurance (Collision & Property):
Call your insurance Company and tell them that you want them to come out and look at your vehicle, “Appraise” the Damage and “Pay you for your Loss”.
If your Insurance Company tries to tell you to call the other Driver’s Insurance Company, tell them that you have a “Claim” against the other Driver, but you want them to come out and look at your car and “Pay you for your Damage or Replacement”.
If you Do Not have Full Coverage Insurance:
You may speak with the other Driver’s Insurance Company about your Car’s Property Damage.
- Do Not speak with them about your Accident
- Do Not speak with them about your Injuries.
- Do Not speak with them about your opinion or doubts about how the accident may have happened.
IS YOUR CAR A TOTAL LOSS?
Typically, the insurance company will try to get out of giving you a settlement, or at least minimize the amount. The Defendant’s Insurance Company is required to put your car in the same condition it was in before the accident. OR they will pay you up to the “Current Value” of the vehicle. The Insurance Company will use the Blue Book and other Auto Price Guides to get the current value of your vehicle.
Rental Coverage will pay for a Rental Car, usually about $20/day. If you do not get a Rental Car you are still entitled to “Loss of use”. Limits on “Loss of Use” (for companies that do not provide rental coverage) are stated in the Defendant’s Insurance Policy. The Insurance Company will pay only what is permitted by policy.
We do not charge our Clients for settling Property Damage Claims. We will provide the assistance you need so that you are able to get in touch with the other Driver’s Insurance Company as soon as possible and settle your property damage Claim.