Frequently Asked Questions
You’ve been in a car accident. Who pays to get your car repaired?
You’ve been in an accident and your car needs to be repaired or replaced. Who pays for the damage to my car? How do I make that happen? And how am I going to get around while my car is being repaired?
Here’s Your Injury Law Group’s Guide to Getting Your Car Repaired After an Accident:
- Getting your car repaired or replaced: There are different options as to who will be paying for the damage to your car, depending on who was at fault in the accident and what type of insurance they and you have.
- The other owner’s/driver’s insurance company: If the other owner/driver was at fault and their insurance company accepts responsibility for the accident, you/your lawyer can process your claim through the at-fault owner’s or driver’s insurance company. For this you will be relying upon the owner/driver’s Property Damage Liability insurance coverage. This coverage, known as ‘PD coverage,’ pays for the damage to your vehicle and other property resulting from the other owner’s/driver’s negligence. As PD coverage is among the minimum insurance coverages required in Florida, the other owner’s/driver’s auto insurance should include this coverage.
- Your own insurance company: But what happens if the other insurance company claims it was not their insured’s fault, or if the other owner/driver didn’t have insurance, or if the accident was your own fault? Depending on the type of insurance coverages you had in place, you may be relying upon your own insurance company to repair or replace your car. If you had Comprehensive and Collision coverage, your insurance company may be held responsible for the damage to your car, regardless of who was at fault.
- What if the other driver was at fault but their insurance company refuses to pay for the damage to your car? Insurance companies make their own determination of what they will or will not cover. But their determinations are not necessarily binding on you, the party damaged by their insured’s negligence. If you do not agree with their determination, there are ways to challenge those determinations. An experienced attorney can guide you through this process. Call Your Injury Law Group today for a free consultation, 866-945-4768 / 866-YIL-GROUP.
- How to deal with the insurance companies? Dealing with insurance companies can be challenging and time consuming, often fraught with legal pitfalls. For example, are you obligated to give them a recorded or sworn statement? And what are the legal consequences of such a Statement? Can they require you to use their repair facility? What if the repairs cost more than they authorize? What about the diminished value of my car now that it has been in an accident? And how will I get around while my car is being repaired?
Our best suggestion is to let an experience lawyer deal with the insurance companies for you. An experienced insurance litigator (an attorney with experience suing insurance companies) can help you cut through the red tape while protecting and advancing your rights. At Your Injury Law Group, our team has litigated literally thousands of lawsuits against insurance companies, helping our clients recover millions of dollars more than the insurance companies had originally offered to pay! Call Your Injury Law Group today for a free consultation.
CALL Your Injury Law Group
You were just in a car accident. Do you know what to do IMMEDIATELY?
Accidents are almost always sudden unexpected events. Most people are shocked and dazed, agitated and upset. But what happens in the next few moments can often make the difference between life and death. Do you know what to do if you’re in a serious accident?
Here’s Your Injury Law Group’s list of what to do should you find yourself in a serious accident:
- Assess yourself: Take stock of yourself: Are you hurt? Are you able to move? If you are seriously injured, do not attempt to move (unless you are not safe where you are). Ask someone to call 911 and wait for help.
- Assess everyone else in your car: Are they hurt? Are they able to move and exit the vehicle on their own? Like yourself, if they are seriously injured, do not attempt to move them (unless they are not safe where they are) and call 911.
- Get everyone to safety, particularly if your car is smoking or making any hissing or other noises. Check your surroundings before you attempt to exit your vehicle; check for oncoming traffic. Make sure you can exit safely and get everyone to where it is safe (usually off the road and away from traffic). Be alert while moving to your safe location!
- Check on the other driver(s) and passengers in the accident. This is not the time to argue about who was at fault. This is the time to see if anyone needs medical attention and to get appropriate help.
- CALL 911. Be prepared to explain:
- Where this accident happened (what street you are on, any cross-roads or intersections, nearby landmarks, directions to your location, mile markers, etc.)
- Whether anyone was hurt and, if so, description of their injuries
- Follow the 911 Operator’s instructions: They may give you instructions on what to do for those hurt in the accident. Follow their instructions.
- Document the accident. If you are able to do so safely, use your cell phone to take pictures of:
- The damage to your car
- The damage to the other car(s), including the license plate(s)
- The accident scene including any traffic signs or devices, skid marks, weather conditions, damage to any signs, trees, or other property, the resting locations of the vehicles, and any other pertinent photos
- The license plates of anyone that may have witnessed the accident
- Anything else that strikes you as being important
- Take pictures from different angles and of all parts of the cars and accident scene, if possible.
- Talk with any witnesses. Write down their names, addresses and phone numbers and ask if you can take a picture of their driver’s license.
- Have your license, registration and insurance card ready for the police
- Cooperate with the investigating officer
- Make sure the officer is aware of everyone in your vehicle and where they were seated
- If you are hurt, ASK FOR HELP.
These are the things you must do at the scene of the accident. Within 24 hours you should file an accident report with the police, and call your insurance company. Your insurance company will ask for a copy of the accident report, and if there is damage to your car, or other property damage they will schedule time for an adjuster to come and assess the damage.
Before discussing damage claims or personal injury claims with your insurance company, call Your Injury Law Group for a free consultation.
CALL Your Injury Law Group