Issues Affecting Repairs For A Damaged Vehicle

Injury Lawyer Personal Injury Faq's

The insurance company must pay for repairs to the damaged vehicle, but the insurer’s pocket cannot be deep enough to cover the huge cost of extensive repairs. The insurance company puts a limit on the costs of the repairs that it will cover. That limit has been stated in the policy sent to the policy holder.

Comparing value of damages and vehicle’s value

In order for a policy holder to benefit from the insurer’s promised coverage, the value of the damages must not exceed the value of the damaged vehicle. If the value of the damages exceeds the vehicle’s value, the vehicle owner must deal with the fact that he or she has suffered a total loss, in terms of having a means of transportation. The owner gets the Blue Book value of the damaged vehicle, and the insurance company gains possession of that same piece of property.

What if the other driver did not have insurance or the hit driver has been found at fault for the accident; what could happen then?

In that case, the costs for the repairs would come from the policy holder’s collision coverage. Such coverage ensures payment for repairs and for the costs of reimbursement. Collision coverage also gets used if a driver has caused the damages to his or her vehicle. That would include situations such as a driver hitting a tree or a parking meter.

Drivers do not make a habit of using collision coverage to cover repairs for every dent that might lessen a given vehicle’s value. If a driver made a habit of doing that, the driver’s insurance premiums would get raised to an exceedingly high rate. Hence, drivers usually use such coverage when the damage to the vehicle has been quite severe.

Procedure to be followed by vehicle owner

• Get an estimate for the cost of the repairs from the insurance company
• Take estimate to mechanic; see if he or she will do the work for the estimated costs.
• If mechanic refuses to do the work for the amount stated in the insurer’s estimate, the vehicle owner has two options.

Other options available to vehicle owners

Try to find a mechanic that will agree to fix the damaged parts at the price quoted by the insurer. That could involve some extra work on the part of the vehicle owner. The mechanic that is willing to do the repairs at the lower price might have a shop that does business a great distance from the vehicle owner’s residence. Ask the insurance company to offer more money. If the insurer refuses to do that and the first option has been ruled out, it may become necessary to sue the insurance company with the assistance of personal injury lawyer in Oakville.

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