You were fortunate and didn’t have any serious injuries after your auto accident, but what about your car? If the accident was not your fault and your car was damaged, you can get your car repaired and personal property recovered. Feel free to consult with Niles car accident attorney, Barry Zlotowicz of the Chicago Legal Group.
When in an automobile accident, you are entitled to payment for damage done to your car and personal property. Personal belongings that were inside the vehicle at the time of the accident, if the accident was someone else’s fault includes: computer, iPods, tablets, clothing, eye wear and other personal belongings.
Based upon on your specific auto coverage and who is found at fault of the auto accident, an insurance company, by contract, may be required to pay for the damages to your property. The insurance contract will often show that the company is obligated to repair or even replace your car.
In the case of repairs, some companies will do their own estimates, although others may ask that obtain your own estimates. You are typically free to decide which body shop you prefer to use. On the other hand, some insurance companies may have a list of recommended body shops for you to go through. If you select one of the recommended shops, and later there is a problem with their repairs, the insurance company may be able to help with handling the issue with the shop.
Additionally, you may be entitled to be compensated for the “loss of use” of your vehicle while it is being repaired. This payment may be used to rent a replacement vehicle. The amount in which you may be entitled to may differ under the conditions of your particular case and with the insurance company.
Often your car will be “totaled.” Generally, a vehicle is “totaled” when the cost of repairs surpasses 80% or more of the value of the vehicle. The challenges occur when it comes time to figure out the true value of the vehicle.
You may be able to recover your losses from the following sources:
Collision Coverage under Your Insurance – This is normally the fastest and simplest way to get your car repaired. Your car repairs will be paid under your own insurance policy no matter who is at fault in the accident.
Liability Coverage under the Defendant’s Insurance – If the other person’s insurance company accepts fault in your accident, they will generally pay to have your car repaired. Regrettably, insurance companies usually take days or even weeks to make a decision as to whether or not to accept fault in the accident.
Uninsured Motorist Coverage under Your Insurance – If the person who caused the accident doesn’t have any insurance or is unable to be identified, you are protected under the uninsured motorist coverage of your own policy.
If you are a resident and had a car accident in Niles, we can help you get your car repaired and your personal property recovered. Our office is equipped to assist you with recouping from the damages. Get in touch right now for a free consultation with Barry Zlotowicz, a Niles personal injury attorney at 847-305-4105 or 877-LAW-4312.