Personal Injury Blog

Getting Your Car Fixed is Important - Make Sure You Have the Right Coverage

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).Maryland Car Accident Lawyer

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.