What happens to vehicles after an accident?

In many car insurances cases, the vehicle may be repaired and returned to the owner, while in other cases, it may be deemed a total loss and sold for salvage or scrapped.

If the damage to the vehicle is minor, such as a scratched bumper or a broken tail light, it may be repaired relatively quickly and easily. In this case, the insurance company may pay for the repairs or the owner may choose to pay out of pocket.

If the damage is more severe, the insurance company may determine that the cost of repairs exceeds the value of the vehicle, in which case it may be declared a total loss. The insurance company will then offer the owner a settlement based on the value of the vehicle at the time of the accident. The owner may choose to accept the settlement and give up the vehicle, or they may choose to keep the vehicle and have it repaired at their own expense.

Dealing With Car Insurance Carriers

Motor vehicle insurance is required by every driver in the state of Georgia. However, that doesn’t mean working with car insurance companies after a collision is easy. Here’s what you should know about talking to your car insurance provider — or that of the other driver’s — after an accident.  

Talking with Your Car Insurance Provider 

You’ll need to report the accident to your own car insurance carrier, regardless of who you believe may be at fault. Remember that insurance companies usually work for themselves, so even though they’re your carrier, their ultimate goal is to avoid payout of any kind. Depending on your benefits, this may or may not include painting you as the at-fault driver. 

Talking with the Other Driver’s Insurance Provider 

You are not required by law to speak to the other driver’s insurance company. However, they may put pressure on you and make you feel like you have no other option but to issue a statement directly to them. Politely decline any interview with yourself and the other driver’s car insurance agency unless working with your attorney. 

Tips for Communicating with Car Insurance Agents 

Communicating with car insurance agents can be stressful, especially if you’re filing a claim after a car accident. Here are some tips to help you communicate effectively with your car insurance agent:

Be Prepared:

Before contacting your car insurance agent, make sure you have all the necessary information, including your policy number, the date and time of the accident, and the names of all involved parties. It’s also helpful to have any relevant documentation, such as medical reports or repair estimates, on hand.

Stay Calm:

Car accidents can be emotionally charged events, but it’s important to remain calm and professional when speaking with your insurance agent. Avoid becoming angry or frustrated, as this can hinder effective communication and potentially harm your claim.

Ask Questions:

If you’re unsure about any aspect of the claims process, don’t hesitate to ask your insurance agent for clarification. Ask them to explain any terms or procedures that you don’t understand. A good insurance agent will be happy to help and provide you with the information you need.

Be Honest:

It’s essential to be honest with your insurance agent about the accident and any injuries you may have sustained. Providing inaccurate or incomplete information can harm your claim and potentially result in a denial.

Keep Records:

Keep a record of all communication with your insurance agent, including phone calls, emails, and letters. Take notes on what was discussed, who you spoke with, and the date and time of the communication. This can help ensure that there is a clear record of the claims process.

Follow Up:

If you don’t hear back from your insurance agent within a reasonable timeframe, don’t hesitate to follow up with them. This can help ensure that your claim is being processed and prevent any delays.

Were You Involved in a Car Accident? Why a Georgia Personal Injury Lawyer Is Your Top Ally 

If you or someone you love were hurt in a car accident, don’t wait to get the help of an experienced personal injury lawyer. They’re on your side and can assist you with navigating through the red tape after a collision. Contact Chalker Injury Law today at (800) 393-8595 for your consultation or to learn more about your legal rights after a car crash.