You have
three claims in Kentucky for a car crash: property damage, injury, and personal
injury protection. This article discusses
the property damage.
If you are
not at fault for a crash the other person’s insurance company will pay for your
car to be fixed. At the scene of a crash
it is important to get this information.
Without knowing who the other carrier is the only way to get this information
is the police report. And that often
takes 3-5 business days.
The
second, and often faster way, is to have your insurance carrier fix the
vehicle. Clients are often concerned
about their rates going up if they use their own insurance. There is a Kentucky Statute that states if
you are not at fault for a crash they cannot raise your rates. The catch here is you will have to front the
deductible until the other persons insurance reimburses you. That may take some time.
If the other
person does not have insurance you will need to go through your own carrier to
get the car fixed. If you do not have this
coverage it is a problem.
Your injury
lawyer should set up the property damage claim for you. The next step is to take the vehicle for an
estimate if the vehicle is drivable. If
the vehicle is not drivable your lawyer will authorize an adjuster to come out
to your house to discuss property damage.
The ONLY thing you should discuss with a property damage adjuster is
damage to your car. Some of them try to
ask questions about what happened in the crash or your injuries. Better to have a lawyer present for that line
of questioning.
If you are
at fault for a crash the only way to get your car fixed is through your comprehensive/collision
coverage. Call your carrier if you have
this coverage and have them fix the vehicle.
Where Should
I Take My Car to Be Fixed After a Car Crash in Louisville, Kentucky?
Carriers
often want you to bring the vehicle to a place they recommend. I think this is a terrible idea. If the insurance company is using a place
over and over that place probably has loyalties to the insurance company and
not you. I drive a GMC truck and was in
a crash in December. I brought my truck
to GMC to get fixed because I wanted it done the right way. I could have brought it to any body shop and
I was under no obligation to use the four shops my insurance company
recommended.
What if My
Car is Totaled After a Kentucky Car Crash?
If your
vehicle is totaled you will be entitled to the market value of the vehicle at
the time of the loss. A problem can
arise when you owe more on a vehicle than it is worth. GAP coverage can help here if you have
it. It is frustrating when an insurance
company offers you less than what you owe, but under the law the market value is
the right valuation. The market value is
what a reasonable buyer and seller would come to in an arms length
transaction. The best way to figure this
out is by pricing your car on the internet.
Use the same make, model, mileage as a guideline.
Will My Car
Crash Lawyer Help Me?
Although I
represent my clients on their injury claim I assist them on property damage
claims as well. That usually isn’t often
as my clients are going to know way more about their car than I will know.
Happy to
answer any questions.
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Material for www.louisville-injury-lawyer.com
Brian Dettman