Friday , 15 December 2017
Breaking News

My Car is Damaged and the Insurance Company

My Car is Damaged and the Insurance Company States That The Car is a Total Loss. What Do I Do?

Get your car to a repair shop of your choice.
You’re entitled to have your car repaired all the way up to the exact state it was in BEFORE the accident. Even still, it will have be worth less because it has been involved in an accident. Don’t let the insurance company, body shop or anyone else tell you otherwise. The drop in the value of your car is called Diminished Value. Ask for this money back from the insurance company of the person that hit you.

If the other driver’s insurance company accepts fault early (which is rare), tell them to inspect the car ASAP
It the car is totaled, the car will be deemed a total loss and the insurance company will process the total loss payment. If you car can be repaired, the repairs must be authorized by the insurance company.

If the other side has not accepted fault, tell your insurance company to send an adjuster to inspect the car.
It the car is totaled, the car will be deemed a total loss and the insurance company will process the total loss payment. If you car can be repaired, the repairs must be authorized by the insurance company.

Verify Repairs and Pick Up Your Car
Before you pick up your automobile, call the shop to verify that the repair work is complete. Check the damaged areas to be sure you’re satisfied with the work. If you see problems, advise the repair shop immediately. If you cannot resolve the issue, call the insurance company. Lastly, settle the bill. Bring any checks you received from the insurance company to cover the damages and be prepared to pay any additional costs, such as your deductible.


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