Being involved in a car accident is a tragic event that can leave you feeling afraid and vulnerable. It’s chilling to know that, even when you are doing everything right, some other driver can come along and cause so much damage and destruction. While this can be terrible already, it’s even worse when you have to deal with insurance companies. Because insurance companies are in the business of making money, and not paying our for claims and repairs, dealing with them can be a hassle, to say the least.
If you have been in a car accident and it was not your fault, then the driver and his/her insurance has a legal obligation to cover the cost of repairs. The problem, though, is that this is not always easy. Even when the police file a report stating that the accident was not your fault, insurance companies might still try to fight this decision.
If they do decide to accept their driver’s fault, then the cost of repairs, as well as the cost for medical claims and other expenses incurred during the accident, should be covered under their liability coverage. In this case, typically the insurance company will first inspect the damage and provide an estimate for repairs. Because insurance companies want to pay out as little as possible, there is every chance that their estimate will be low. Because of this, you should insist on also taking your car to a reputable mechanic for a second opinion and estimate. If this estimate is very different from what the insurance company is offering, you might need to have the auto shop call the insurance company and explain the extent of the costs. Once a price is set, the insurance company should then issue a check to cover the costs.
Of course, all of this is predicated on the idea that the insurance company is willing to accept their driver’s fault. When they don’t, then you have two options: pay for the damage under the collision coverage of your own insurance, or secure legal representation. While using your own insurance won’t automatically result in higher premiums (especially when it’s not your fault) this can present its own set of hassles.
If you have been in an accident and are having difficulty in dealing with insurance companies, you might need to talk to an attorney. If that’s the case, please don’t hesitate to contact us today. Our experienced team of professionals can help make sure you are able to get what you deserve in order to get back on the road again.