Understanding Property Damage Claims in Car Accidents

Many people only consider the injury aspect of car accidents, but property damage claims are also very important to understand. This article will help you better navigate all aspects of a car accident property damage claim.

Types of Property Damage

There are many different types of damages that you should be aware of:

• Vehicle Damage: This is the most common type of property damage claim, and includes damage to your car, truck, or other vehicle.
• Personal Property: Any personal property that was also damaged in the accident should also be included, such as cell phones, computers, or any personal belongings.
• Other Property: In some situations, other property may also be damaged, such as fences, structures, or public property.

Documenting Property Damage

Proper documentation is critical when you are filing a property damage claim:

• Photos and Videos: You should take pictures and videos of all of the property damage.
• Estimates: Be sure to get estimates for repair on all damages.
• Police Report: Ensure that your police report also includes property damage.

Filing a Claim

Filing a property damage claim can often times be confusing, but it’s important to ensure you do it correctly:

• File With Your Insurance: Be sure to file a claim with your own insurance company.
• File With At-Fault Party’s Insurer: File a claim with the at fault party’s insurer, so that they can properly cover the damage.
• Keep Track of Communications: Keep track of all phone calls, emails and other communications with your insurance provider, as they can be key in your claim.

Negotiating Property Damage Settlements

Negotiating your property damage settlement can be tricky. It is important to understand what steps to take:

• Be Prepared to Negotiate: You may have to negotiate the value of the damage to your vehicle with the claims adjusters.
• Understand Vehicle Values: Have an understanding of the value of your car, so that you are aware of whether they are offering you a fair settlement.
• Be Reasonable: Be sure to be reasonable and polite when communicating with all parties.

When to Consider a Lawyer

There are some situations where a lawyer will still be helpful:

• Unfair Denials: If you have been unfairly denied on your claim, an attorney can help.
• Low Offers: If the insurance companies are offering you a low settlement value, an attorney may be helpful in showing the actual value of your damages.
• Disputes Over Liability: If the other party is disputing liability, it may be helpful to get legal representation. You may also find our article on When to Hire a Lawyer for a Non-Injury Car Accident helpful.

Property damage claims can be difficult, especially if you have limited knowledge of the process. If you are unsure of your legal options, contact a qualified legal professional for a free consultation today.

Disclaimer: *The information provided in this article is for informational purposes only and does not constitute legal advice. Please consult with a qualified attorney for advice specific to your situation.*