Car Repair Options After Getting into an Accident

Any car owner who gets into an accident will always think about how he or she will get the car repaired and who is going to do it. But the answer to that thought will depend on many factors like the state the accident happened, who is at fault, how much the owner has for insurance coverage, and what type it is. Here is a detailed explanation of each of them. 

 

  1. Negligence and No-Fault State 

Car accidents are almost always based on negligence or no-fault states. In a fault state, you must provide proof that the other driver observed negligence while driving in order to get the damages on your part to be covered by the driver or his/her insurance. But if the accident happened with no one being at fault, your own insurance will cover the payment for the damages if not all of them. But that will depend on the state where you are living. So, make sure you know the law. 

 

  1. Insurance Policy Limits 

Also, remember that your insurance company will only cover the damages up to their policy limits whether the accident is caused by negligence or no-fault state. For example, if the other driver caused the accident and he only has $7,000 insurance compared to your $10,000 worth of damages, then only $7,000 will be covered to pay for the damages your vehicle gained. 

 

  1. Exceeding Repair Costs 

Your insurance company only covers the damages based on the value of your car. If the damages exceed the car value, then they will declare it as a total loss, pay you the market value of the car, and will take your car after. 

  

  1. Collision Coverage 

Collision coverage is your insurance policy’s reimbursement for the damages if the driver who caused the accident didn’t have enough insurance coverage, or if you were the one who caused the accident. But if he had enough insurance coverage, your policy’s collision coverage will not be used. 

 

  1. Comprehensive Coverage 

The comprehensive coverage is for vehicles that got into an accident while being parked. This also includes other damages such as a tree falling to your car. It’s pretty much the same as with collision coverage wherein you don’t have to use this coverage if the driver has enough insurance to cover your damages. A parked car is never at fall after all. 

 

  1. At Fault  

What if you are the one who caused your car’s damages by getting into an accident or running into an electric post? Well, there are two things you can do. First, you can cover the damages by paying for them yourself. Second, you can use your collision coverage. But you won’t have to do the latter if the damages aren’t great. 

 

Although most accidents on the road happen because of human error, some of them happen because of natural calamities. If your car is damaged by hail, paintless dent repair Colorado Springs can be a great option. 

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