Repairing Your Wrecked Vehicle When Insurance is Delayed
The insurance process for repairing your vehicle after a wreck can be daunting, and it can take a long time. If the insurance process is taking too long, what can you do? You still have other options for repairing your vehicle.
When you are not the driver at fault in an accident, and you’re working with the other driver’s insurance, the process can tend to drag on. Part of the reason for this is the insurance company is trying to review the facts and obtain a statement from its own client (the other driver involved in your accident). The company is also trying to gather any information that will help it pay a lesser sum to you for your vehicle repair or replacement.
If you have been waiting a while for a response or payment from the other driver’s insurance company, you have other options for repairing your vehicle. If you have collision coverage for your vehicle through your own carrier, you can start working with your own insurance company to have the repairs. You will have to pay the deductible associated with your policy, but you can often get this money back when the other driver’s insurance company moves on the claim, provided there are no problems with coverage or liability. If the cost of repair exceeds the book value of your car, your vehicle is “totaled,” meaning the maximum you can receive of compensatory damages is the market value of your vehicle at the time of your accident.
If you do not have collision coverage or you have another reason for not wanting to use your own insurance, you can also make the repairs on your own. You can choose a shop and arrange for the repairs, which you will have to pay for with your own money. However, you can then work with the other driver’s insurance to receive reimbursement, rather than waiting for the payment, provided the other insurance carrier accepts coverage and liability as well.
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If you have been injured in any type of accident caused by someone else’s negligence, call Montlick & Associates, Attorneys at Law for your free consultation today. Montlick & Associates, Attorneys at Law has been representing those who suffer serious injuries throughout the Southeast for over 35 years, including but not limited to all smaller cities and rural areas in the state.
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