There are times during a car accident insurance settlement process you and the insurance company may not agree on the actual worth of the repair costs. In case you get your own car insurance estimate, the insurance company may want you to accept a smaller settlement amount arrived at by them.
The bad part is that the insurance company’s own estimates may differ vastly and may be even way below your actual repair costs. If you do not know how to resolve such disputes with your insurance company, it is better to protect your interests by hiring a well reputed lawyer who has the necessary expertise and can help you get a fair and just settlement amount.
A reliable lawyer will offer you a few suggestions and tips on how to protect yourself from spending more money on your vehicle damages. These tips or suggestions include:
Getting Detailed Car Accident Estimates
One of the first things that your lawyer would suggest is to get a detailed car accident estimate that includes a list of replacement parts and their cost so that it will clearly indicate the cost of repairing your vehicle. Next, ask the insurance company to give their own detailed estimate. In case you are not happy with a lower estimate, you have the right to ask how such a low settlement figure was determined by the company.
While presenting your claim, make sure that your estimate is for the exact factory vehicle parts. Quite often the insurance adjuster’s estimate will be lower because their estimate may comprise of low cost no factory replacement parts. You need not accept this as you have a right to get your vehicle back in the same condition as it was prior to the accident.
Get your Estimate from a reliable Auto Garage
Get your car accident estimate from an auto garage that is experienced in dealing with your car brand. Since insurance companies try to sort your damages into select categories, this will help you get a more dependable labor cost. If your insurance company disagrees with this estimate, you can always ask them for another auto garage that can do the same quality repairs. If the insurance company is unable to provide you with an alternative, you do not have to agree to lower quality work.
What if the car is Totaled?
In case the repair costs are more than the value of your car it is considered to be totaled or total.