Many different factors may affect the results of a car accident. Each party’s insurance policies will be addressed, and the fault may or may not be decided by a court of law. Your auto repair options may depend on who is deemed responsible for the accident. Here is how to decide your auto repair options following a car accident.
When You Are Not at Fault
One of the most important factors that determine your auto repair options is your insurance coverage as well as the other party’s insurance. If your car is hit by another driver and he has enough insurance, you should be covered. You can file a claim against your own comprehensive coverage if the other driver does not have enough insurance. Your comprehensive insurance can also cover damage from other accidents like damage from trees or severe weather.
When You Are at Fault
In the case that you are deemed responsible for a car accident, you can make a claim against your policy’s collision coverage in order to repair your car. You can also file a claim against your own collision coverage if you are the only driver involved in an accident.
Regardless of fault, you will not be reimbursed with more money than your vehicle is worth. If your vehicle is extensively damaged, you may be compensated for the total cost of your car and have your car taken by your insurer (otherwise known as “totaled”). Insurers are also only required to make payments within policy limits; this means that your auto repair options may be limited if you are involved in a collision with someone who does not have extensive coverage.
For more information about your auto repair options after a car accident, speak with the auto body professionals at Michael J’s Body Shop in San Jose. We are the Bay Area’s home for collision and auto body repair. If you would like to learn more about our services, give us a call at 408-279-2070 or visit our website.