There are tens of thousands of car accidents in Colorado every year. If you are unfortunate enough to be involved in one of them, there will probably be some degree of damage to your vehicle. If the accident was not your fault, here is an outline of procedures to follow to get your car back in working order as quickly as possible.
If your vehicle is drivable, begin by contacting the other party’s insurance company and request an estimate of the cost of fixing your vehicle. Usually, an insurance adjuster will come to you and, after inspecting the damage, issue an estimate to you. Take your vehicle to the body shop of your choice for a second estimate. If the body shop feels the work cannot be done for the quote given by the adjuster, the manager of the body shop will contact the adjuster to sort out the discrepancy. A check will be issued on your behalf to the body shop for the cost of the repairs.
Some insurance companies do not have a local field adjuster, so you may be asked to take your vehicle to 2 or 3 body shops for estimates. The insurance company will issue you a check for the lowest amount.
Your vehicle may not be drivable after the accident. In which case it will most likely be towed to a salvage yard where the adjuster will inspect the damage and issue a check to you for the cost of repairs. To avoid excessive storage fees, have your car moved as quickly as possible to your preferred body shop.
If your vehicle is declared a total loss, you may either 1) accept a check for the total loss value of your car minus the salvage price and keep your vehicle or 2) accept the total loss value plus the salvage value and sign your automobile over to the insurance company.
Regardless of the extent of the damage, the insurance company will reimburse you for the rental of a comparable vehicle at a sensible price and for a reasonable amount of time. A “reasonable” amount of time can be disputed therefore, it is important to follow up with your body shop on the status of repair work.
How a Denver Car Accident Attorney Can Help
Property damage claims are not limited simply to the damage to your vehicle, but also include items in the car that were harmed or destroyed as well. Typically, the majority of our clients are able to manage these types of claims without our assistance. However, we know firsthand that insurance companies routinely attempt to settle property damage claims for far less than their fair value, and we are always available to help settle your property damage claim if necessary.
Contact a Denver Car Accident Attorney Today
If you are the victim of a multi-car crash, contact Colorado personal injury attorney Robert Paysinger today. Robert can answer all of your questions and let you know what kind of compensation you may be entitled to under Colorado law. Our law firm offers FREE case consultations and can be reached at 303.279.0221.
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