A car crash can be a hair-raising experience. Statistics show that drivers tend to file an insurance claim every 17.9 years. Many times the insurance claim will be a simple fender-bender; however, there are times when a car will be a total loss. How do you know whether a car can be repaired or not? Most people think you have no power over the situation, but there are some tips you can use to ensure you have all the information you need to be as involved as possible in this decision.
Total or Repair?
An insurance company will either decide that your vehicle is a total loss or is repairable. The extent of the damage and the age of your vehicle are important factors in this decision. If you have an older car that was on its last legs, you may not mind the insurance company declaring it totaled. However, if you have a car that is in good condition or holds important sentimental value, chances are you don't want it totaled, but repaired instead.
Know Your Coverage
One of the first things you need to do after a car crash is to contact your insurance company. Many people aren't fully aware of what their policy covers, so thoroughly reviewing your policy in this instance is key. In fact, it's best to review your policy before an accident happens. Your policy will have all of the details of your coverage regarding how much the insurance company will pay to repair your car, how they will handle your medical bills, and how they handle the process when you are liable for the accident.
Remember, your insurance adjuster will adhere to certain criteria including specific state laws and regulations to make their final decision. This can often be a path of confusion even for an insurance professional. Don't be afraid to ask questions during this process.
If your insurance company determines your vehicle is a total loss, and you disagree with this decision, there is something you can do. Proof of consistent vehicle maintenance such as oil changes and upgrades can be presented to the insurance company for review, and this information should be added to the insurance adjuster's evaluation. Does this guarantee your wish will be granted? Of course not, but it is your vehicle and doing everything possible to assist in the process should be respected.
Owning a vehicle can be a wonderful experience, but it also comes with a great responsibility. Vehicles are expensive, and they often become a part of our personal memories, so when an accident occurs, being as involved as possible in the insurance claim process only makes sense. You can't make the decision, but you can provide information and stay in touch with your insurance adjuster during the process.
For more information about the repair process your vehicle may go through, contact a company like BST Performance Automotive Ltd.