By: Matthew Tievsky
At Chaikin, Sherman, Cammarata & Siegel, P.C., we are generally focused
on making sure that receive compensations for your bodily injuries, after
a car accident. But, of course, fixing your car itself is a concern as well.
In the best-case scenario, you have "collision coverage" on your automobile insurance policy. (If you don't, we advise
you purchase it right away!) Collision coverage automatically and immediately
pays for the repairs to your vehicle, whoever was at fault (or, if the
repairs would cost more than the vehicle itself, your vehicle will be
"totaled" and your insurance company will pay you the value
of the car).
However, unless you paid extra for an especially strong collision coverage
policy, you will have to pay for a certain amount of the repairs, a "deductible."
(Most commonly, this amount is $500.) However, if the insurance company
of the person who damaged your car accepts fault, then that insurance
company will pay your deductible for you. Otherwise, the only way to get
reimbursed for your deductible is to sue the wrongdoer.
If you didn't have collision coverage, then the only way to obtain
money to pay for the damage to your vehicle, is through a lawsuit. For
that reason, when we work on clients' personal injury lawsuits, we
commonly also seek to recoup compensation for the property damage. But
using collision coverage is more dependable, because it doesn't require
proving that the defendant was at fault, and it doesn't require proving
to the jury the value of the damage to your vehicle.
If you have questions about obtaining compensation for the damage to your
vehicle after an automobile collision, you should
contact the Maryland personal injury attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C.