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FAQ's on Auto Accident & Handling of Minor Car Accident Claims

If you've been involved in a minor motor vehicle accident in which no one is injured, chances are you don't need a lawyer. You may, however, need some helpful advice on how to handle your claim --to make sure you're treated fairly by the insurance company.

As a general rule, a driver who causes an accident has to pay for the damages resulting from the accident. Most people carry insurance to cover their liability.  Since minor accidents generally involve only property damage, this  information does not go into complicated issues that might apply to a personal injury claim.

There are certain questions from people involved in minor car accidents come up time and time again, and the answers to some of the following questions may help you to handle a minor claim without a lawyer.  However, for specific answers to specific questions you should contact a lawyer.

Table of Contents

  1. Should I report the accident?
  2. Who pays for the damage to my car?
  3. How do I turn in my claim?
  4. How much should I get paid for my car damage?
  5. How many estimates do I need?
     
  6. If I do not agree with my insurance company about the amount of damage, is there something I can do?
  7. Can I take my car to the repair shop of my choice?
  8. Does my insurance company have the right to inspect my vehicle?
  9. Can I have my vehicle repaired with original equipment (OE) parts?
  10. Do I have to get the car fixed to get paid?
     
  11. Should I get more than the cost of the repair?
  12. What is the difference between "betterment" and "depreciation?"
  13. What if my car is "totaled?"
  14. What do I do if the company gives me a comparative negligence assignment?
     
  15. Who pays for the towing?
  16. What about the damage to other things?
  17. Do I have the right to a rental car?
  18. What if I was partially at fault?
  19. What if the other driver does not have insurance?
     
  20. What if I did not have insurance on my car?
  21. Who pays minor medical bills?
  22. What if I was driving someone else's car?
  23. Can I be compensated for the pain of a minor injury?
  24. How does "NO-FAULT" insurance work?
     
  25. How does uninsured and underinsured motorist coverage work?
  26. What if my claim is denied and the insurance company will not pay?
  27. Will having an accident make my insurance rates increase, even if the accident was not my fault?

<<== Complete Index of Questions

 

         

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   Always keep in mind to:
  1. Spend less than you earn! People who spend every penny they make usually end up going broke.......
  2. Take enough risk on the money you save! Playing safe by putting your money under the mattress or in a savings account will not make you wealthy..

Remember that..... Fully one-fifth of humanity, some 1.3 billion people, struggles to survive on less than $1 per day. About 40% of humanity survives on less than $2 per day. More than a billion people around the world will go to bed hungry tonight. Life expectancy in some 32 countries is less than 40 years. If you have a few extra dollars in your pocket (you don't have to be a millionaire to make a difference), please share some of your financial good fortune with others who are in great need.


Think About It...  Being in the 'now' brings a freedom, unlike living in the past or in the future, which is a kind of imprisonment. This isn't a kind of a denial where you pretend life doesn't have problems. Life is full of problems, but most of those stresses and failures are reliving old hurts or worrying about future concerns. -- Carl Honore

When you 're diagnosed with cancer, you start to bargain with God: "Let me get through this, and I'll take better care of myself. I'll get my priorities in order. I'll learn to live every day to the fullest." Isn't it sad that you have to get sick before giving yourself permission to live life to the fullest? -- Robert Schimmel Look at Life in different & Positive ways