One question I repeatedly hear from clients is, “What happens to the property damage for an automobile accident? Who pays for the damage to my car? How quickly can I get that done?” Those answers really depend on your preferences. If you have collision coverage on your own insurance policy when you’re involved in a motor vehicle accident and your car is damaged, you will contact your insurance company and let them know about the accident. Most likely, your policy includes a deductible and the amount of that deductible might determine whether or not you want to process your property damage claim through your own insurance company. If your deductible is high – like $500 or $1,000 – you may be discouraged from processing the property damage through your own insurance policy.
You also have the option of using the other party’s insurance coverage to pay for your property damage – provided they’re at fault for causing the accident. Often, however, the problem with using the other party’s coverage is the time and negotiation involved. When people use the offending party’s insurance coverage, they may not feel that they’re getting paid a satisfactory amount for their vehicle. Also, it may take a little time for that insurance company to determine who was at fault for the accident. The delays involved in processing your property damage claim using somebody else’s insurance coverage might be a deterrent. You might just get your vehicle repaired more quickly – and with less hassle – by processing your claim through your own insurance company. Both options are available to you, and the decision as to whether one option is preferable to the other in your circumstances rests with you.
Were you or a loved one involved in an auto accident and have questions about who is responsible for fixing your car? Contact the experienced Buffalo injury lawyers at Chiacchia & Fleming for dedicated representation. Let our experience work for you.