You’ve just gotten into a car accident. You’re unharmed, but your car is wrecked. Understandably, you want to get it fixed as soon as possible. But who is responsible for fixing it? This depends on a few factors: the state the accident happens in, the driver at fault, the amount of property damage insurance coverage you and the driver have, and the kind of insurance you both have.
The very first thing you do after an accident is gather the other driver’s details if another driver is involved. After you’ve done this, we strongly recommend you keep these tips in mind:
After an accident, it’s always a great idea to gather evidence. Having high quality evidence takes away any confusion surrounding the severity of the accident. Take pictures and videos of the damaged areas of the car. This includes all minor scratches, scrapes, dents and complete loss.
Know the Details of your Property Damage Insurance Coverage
Florida is a no-fault state, and in no-fault states, insurance companies will more than likely pay for some or even all of the damages that occur up to its policy limits. For example, if the other driver was at fault and caused $20,000 of vehicle damage to your car, but he/she only has $10,000 of property damage coverage, his/her insurer will only pay $10,000 toward your repair costs.
It’s also important to note that insurers are only required to pay for damages up to the value of the car. If repair costs exceed the car’s value, insurers often declare your car a total loss.
What do I do if I am at fault?
What if you caused your own vehicle’s damages? Say you drive off the road or run into a fence. In this case, you would either have to pay for the damage out of pocket, or if you have collision coverage, you’d make a claim against your policy’s collision coverage. If the damage is not extensive, however, making a claim against your own policy might cost you more money in the long run because this raises your premium.
Consult an Attorney
If you find that you are still unsure of how to proceed with getting your car fixed after a car accident, consult experienced car accident attorneys like us. We will review your specific situation in great detail and help you understand who is responsible for repairs after the accident.