Did you get your car wrecked in an accident? Stop and take a deep breath. You’re going to get through this.
So, what’s your next step? If you’re shaking your head, don’t worry, we’ll help simplify it for you. Below you’ll find a comprehensive list of your options.
When you’re ready to discover all of them so you can stop shaking your head and finally take action, read on.
Wrecked Car Options
Car wrecked in an accident? Then you have a few options to consider for the remains of your vehicle and your insurance payout.
- Take the cash
- Repair the car and keep it
- Sell the car to a junkyard
- Don’t repair the car and keep it
- Donate the car
- Sell it for salvage
If your adjuster deems your car “totaled,” he’s saying it’s a total loss and isn’t worth fixing. In that case, you’re given an insurance payout that falls somewhere between zero and the current value of your vehicle.
Who Pays for Your Car Wrecked Damages?
What do you do if your car is wrecked and you don’t have the money to replace it? Well, that’s the purpose of insurance. It covers the cost of repairing or replacing your damaged vehicle.
Other Driver’s Auto Insurance
So, who was responsible for your accident, you or the other driver? Only your local police and your insurance companies can determine the fault.
In other words, your insurance company will tell you who is financially responsible for the accident.
Your Auto Insurance (Collision Coverage)
Each auto insurance plan differs. Your plan may cover all of the costs for repair, or it may cover none.
Your Auto Insurance (Uninsured Motorist Coverage)
But what if the other driver is at fault, and they don’t have insurance? That’s when you’d better hope “uninsured motorist coverage” is included with your plan.
It covers the cost of repairs that the uninsured motorist’s insurance would normally cover.
What if You’ve Been Injured?
Get checked out even if you don’t think you’ve been injured. Whiplash is the most common injury suffered during a car crash. It’s a combination of soft tissue injuries in your neck and head from the sudden deceleration.
You need a whiplash diagnosis at the time of the accident from a medical professional. Without verified documentation, insurance companies aren’t legally responsible for covering the costs of your rehabilitation. In other words, it comes out of your pocket.
And don’t forget to call your local attorney, specifically your personal injury lawyer. They specialize in dealing with insurance companies and auto injuries. Fortunately, most lawyers only accept payment if they win your case.
The Key Steps After an Accident
So, you’ve had a car wrecked. Now, what do you do? You take action.
Speak to the police on the scene. Ask a medical professional to check you out. Call your auto insurance company and your lawyer.
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