If you’re in a car accident in California, there will be a determination of who is at fault. In most scenarios, this person is responsible for paying damages related to repairs, injuries, and everything else that occurred as the result of the accident. However, even if you are not at fault, you may be able to use your own insurance to repair your vehicle. The benefits of using your own insurance instead of the at-fault driver’s vary from case to case; therefore, working with a prominent car accident lawyer will ensure that you find the best approach for your situation.
If you have collision coverage (sometimes mistakenly referred to as “full coverage”), your insurance company will pay up to your policy limit for damage to your vehicle, regardless of who was at fault for the wreck. If the repair totals up to a certain percentage (usually half) of the overall worth of the car, the insurance company may elect to “total” the car and send you a check instead (which you may use for a new car).
About Collision Coverage
Collision coverage covers repairs to the vehicle no matter who is at fault. It’s in place to fill the gaps between what the at-fault party’s insurance pays and the rest of the repair costs. In cases where the other driver’s insurance covers the full cost of repairs, you may choose not to use your collision coverage. Comprehensive coverage, in contrast, covers repairs to your car for damages that occur while it is parked. If, for example, someone does a hit-and-run or a tree falls on your car, comprehensive coverage is used to handle repair costs.
The different types of insurance can be complicated and overwhelming, especially in aftermath of an accident. Working with a car accident lawyer in Los Angeles is critical in ensuring you file the right claims with the insurance companies. You need to know which insurance company to rely on to perform the repairs or pay for your total loss, and you need to be sure you are being treated fairly by that insurance provider.