Having your car repaired after an accident will vary depending on who is at fault and the insurance companies involved. When a claim is filed, one driver will be found at fault. Who is found at fault will also determine which insurance company is responsible for any physical damages and bodily injuries.
Not at fault
If you are not the driver found at fault for the accident, the other driver’s insurance company is responsible for covering the damages but may only pay up to the policy limits. If there is not enough coverage in the policy, your underinsured and uninsured policy may have to pick up the rest of the bills.
If you are at fault, your insurance company will be responsible for paying for the damages to the other vehicle and any bodily injuries. You may also use your own collision or comprehensive coverage to pay for repairs to your own car or you may also pay these out of pocket to avoid filing a claim and potentially increasing insurance rate premiums.
After an insurance claim is filed and fault is determined, a car will be inspected for damages. Your car must be inspected before it can be repaired. The insurance company at fault will either send a technician out to you or send you a repair shop for it to be inspected.
The insurance adjuster and repair shop will determine what the estimated repair costs are. The car will be sent in for repairs. If you are not at fault for the accident, the other driver’s insurance company will pay for a rental for the time your car is in the repair shop.
Once the car repairs are made, you can pay for the damages out of pocket and have them refunded or you can have the insurance company pay the auto repair shop.
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 is open 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.