The term property damage can be confusing since it’s most commonly used to refer to damage to your home. But what if you were told that it also applies to car accidents?
If you want to know more about what car accident property damage means then you’ll want to keep reading for a better understanding.
Car Accident Property Damage?
Whenever you get into a car accident and your vehicle has damage and needs to be repaired it’s considered car accident property damage.
This can be anything as small as a broken headlamp or side mirror, to a complete repair of the car and frame. There isn’t just one thing that’s considered property damage but a combination of anything that destroys a part of your car inside or outside.
What Should You Do?
If you’re even in an accident whether with another person or you’ve just backed into something, make sure you take pictures of the damage that happened.
Take the time to take a note of where it happened, the car and license place you’ve been involved with, as well as the other party’s information if applicable. Don’t leave the scene without calling the police and reporting the accident because insurance will need the info.
What Does Insurance Do?
If it’s a repair you cant afford out of pocket, or the other person is going to file a claim then you’ll need to contact your insurance company.
Your insurance company will investigate the claim and pay for your damage repairs, or in some cases a new car. You’ll need to provide all the info you had collected at the scene of the accident. The insurance company will also want to get the police report number to review the info the police took down.
12.6% of people are uninsured drivers which could land you in some trouble for your claim.
It’s a good idea to check with your insurance provider to see that you are covered for all types of accidents and incidentals. Especially if you’ll be putting in a car accident property damage claim.
Do You Need A Lawyer?
In some cases, you’ll need to get a lawyer on hand to settle your claim.
This isn’t just for very big settlement claims, but can even be for small ones that are tied together with a personal injury claim.
Lawyers will be the ones to fight for your maximum settlement amount and make sure you’re not being taken advantage of during the claims process. They will also take the burden off your shoulder for filing all the paperwork and will be the point of contact between you and the police, insurance provider, and the third party if they exist.
You can find tips on when you need a car accident lawyer for property damage online but it’s a good idea to get a lawyer’s opinion about the claim.
Solving Your Car Accident Property Damage Questions
Car accident property damage is an important part of your car insurance plan. It’s also something that every car owner should know in the event of an accident so that you know what you’re coverage rights are. If you ever have any questions in the event of a property damage claim, talk to a lawyer.
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