How to Handle Repairs to Your Car After an Accident
If involved in an accident, get to a safe location (the shoulder of the highway, a well-lit area, where you are safe from other cars), Exchange insurance information with any other drivers involved, Call the police if there are injuries. Then you can go about the process of repairing your car.
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.
If 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.