My Car Was Wrecked In An Accident. What Happens Now?
One of the first issues you will face is how to get your vehicle back in shape following an accident. You have several options, depending upon who was at fault for the accident.
If you were not at fault, you may turn to your own insurance company or the other driver’s insurer for compensation. Be aware that you must have full coverage on your own vehicle in order to turn to your company for assistance. Your company will also ask you to pay your deductible before the repairs are completed. Once you pay the deductible, your insurance company is obligated to contact the at-fault driver’s insurer and recoup the deductible and reimburse you. Otherwise, you can deal directly with the other driver’s insurance company without paying a deductible.
If you were at fault, then you may only turn to your own insurer for coverage to repair your vehicle. If you did not have full coverage, then you will have to pay for the vehicle repairs directly, or purchase a new vehicle on your own.
In either case, insurers are obligated to pay you the reasonable value of the motor vehicle if your car is declared a total loss. This is often the subject of debate, and we will assist you at no cost in attempting to collect the reasonable value of your vehicle.
