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. Fault determines which insurance company will handle physical damages/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 determine the repair costs. 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.
Have more questions about commercial vehicle inspections stations or where to get an emissions test? Our agents and customer service team are here to help with your motor vehicle needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
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*Please review your own policy carefully for details on car repairs & car inspection. Car repairs vary by insurance company.