Your car repair after an accident will depend on who is at fault and the insurance companies involved. One driver will be found at fault after the filing of a claim. Who is at fault will determines which insurance company handles physical damages and bodily injuries. After that, a car inspection will take place.
Not At Fault
If you are not at fault for the accident, the other driver’s insurance company handles covering the car damage. But, they may only pay up to the policy limits. Your underinsured and uninsured policy may have to pick up the rest of the bills. This happens if there is not enough coverage in the policy.
A car inspection takes place to look for damages after the filing of an insurance claim and determination of fault. Your car must go through inspection before repairs happen. For the inspection, the insurance company at fault will do one of two things. They will either send a technician out to you or send you to a repair shop.
Car Repair Estimates
The insurance adjuster and repair shop will determine what the estimated repair costs are. After that, the car will go in for repairs. If you are not at fault for the accident, the other driver’s insurance company will pay for a rental. They will do this for the time your car is in the repair shop.
You can pay for the car damages out of pocket and get a refund for the car repairs. However, you could instead choose to have the insurance company pay the auto repair shop themselves.
Do you need more information about car repairs? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy opens from 8 a.m. to 9 p.m. CST, 7 days a week.
*Please review your own policy carefully for details on car repairs. Car repairs vary by insurance company.