An automobile accident is one of those things in life that is inconvenient for you and it will always cause a negative impact on your life in ways unimaginable. Sometimes the impact will be minor, such as a slight fender bender to your vehicle with no physical injury to you and/or your passengers if any; at other times, the accident can be severe with extensive damage to the vehicle, if not totaled with severe physical and mental injuries to you and/or your passengers. Getting your life back to normal is very important to you and an experienced personal injury lawyer can assist with this process. Getting your car fixed is essential; being without your vehicle interrupts your ability to get to work and to commute to other places that you visit in your daily routine. Knowledge is definitely power, and it is important to know your options when it comes to getting your vehicle repaired or replaced.
Regardless of fault, if you have valid and active automobile insurance that includes collision coverage, you will be able to get your car repaired or monetary compensation for the current value of your car, probably the price that is quoted in The Kelly Blue Book for the make and model of your car. Collision coverage covers all damage to your vehicle that results from your vehicle making contact with another vehicle or contact with other property. For example, if your car is damaged by another vehicle, this is covered under collision coverage. If your vehicle hits a guard rail, a building, a tree or anything else, this is when your collision coverage kicks in.
In most cases, you will have a deductible that must be paid before your insurance company will pay. This process includes the following; filing a police report, reporting the claim to your insurance company, an insurance adjuster inspecting the damage and assessing the cost to repair vehicle or the value of the car. In cases where your vehicle is deemed a total loss, the value of the car comes into play. If you do not have a lienholder, the monies will be paid directly to you. In contrast, if there is a lienholder, the monies will be paid to the lienholder for whatever they are owed and you receive the rest.
When an accident is not your fault, the other’s party’s insurance company is responsible for paying to get your car fixed. Until liability is accepted by the other party’s insurance, you will not be able to get your vehicle fixed under their coverage. The insurance company will conduct an investigation regarding the accident. They will retrieve a police report if one was filed, statements from the drivers and any witnesses which were present to the accident. In addition, they will usually look at photos and in very severe accidents, they may have a specialist go out to the scene of the accident to recreate what happened. If the accident is a minor fender bender, the process is relatively short. In cases of severe auto accidents, the investigation can take much longer.
Thus, you basically have two options to get you back on the road. The quickest option is almost always going to be to use your insurance company. However, this can result in negative consequences for you. When reporting the accident to your insurance company, your monthly rates can increase and you risk being dropped as an insured.
Once you’ve filed your claim with your insurance company, it’s upon them, once liability has been established that it was the other driver’s fault, to contact their insurance company and have them included, but not limited to have them pay for the damages done to your vehicle which might have been paid for by your insurance company to reimburse them.
But remember, if you are involved in an accident, it’s incumbent upon you that you hire an experienced personal injury attorney that will help you navigate all of the red tape that is involved in getting your car repaired, your medical expenses covered if any, compensation for any lost wages, and future lost wages if the injury was severe enough. And NEVER talk to the insurance company without your attorney present about being compensated for your damages and/or injury, because it’s the insurance agent’s main priority to try to make sure that his company doesn’t have to pay anything more than they can legally get away with. In other words, lowball you, an inexperienced negotiator into accepting whatever they offer you. So make sure that you do your research and find the best Los Angeles car accident attorney and have them handle your case for you.