If a negligent, uninsured driver caused the accident, then your insurance company is responsible for paying the damages your vehicle sustained if you have collision or uninsured motorist property damage coverage. If the damage is repaired because of your collision coverage, there is still a chance you might have to pay a deductible.
For repairs, regardless of the adjuster’s recommendations, you have the right to choose any body shop to have your car repaired at. To get clarification on the process, it is recommended to speak with the claims adjuster about the repair process before making any final decisions.
Lastly, with total loss, if you encounter severe damages from a vehicle collision and the claims adjuster determines the car repair expense is higher than the value of your car, the insurance company may consider declaring your car as a total loss. If this occurs, your insurance company has the decision of taking the title of your car when it issues payment on your claim.
The insurance company is expected to use the Kelley Blue Book value of the car. It is also mandatory for them to cover for what your vehicle is worth before the incident took place. The claim adjuster will review similar cars like yours, including the same make, model, and year, and will also consider your area.