A vehicle damage claim is an insurance claim that covers the cost of repairing or replacing damaged parts of your vehicle after it has been involved in an accident where someone was injured as a result of the collision.
If you do not have comprehensive (or full) coverage on your auto policy, any losses related to a collision are usually covered by collision coverage alone-which means they don’t have to be paid out until after the deductible amount has been exhausted.
However, if comprehensive coverage is provided by your state’s law enforcement agency (LEA), then all damages will be paid up front with no deductible necessary because it’s included within their definition of “collision” as defined by law. Consult with a personal injury lawyer in Woodbridge and they will explain how your insurance policy will help you get compensated for vehicle damage in a car accident case.
Collision Coverage
Collision coverage is the most basic form of auto insurance, and it’s what you need to pay for if your car is hit by another vehicle. This type of accident only covers damage to your own vehicle, so if someone hits yours without hitting a third party or object, it won’t be covered under collision coverage.
Comprehensive Coverage
Comprehensive coverage is the most common form of insurance, and it covers you in case of an accident while driving or riding in your vehicle. Comprehensive coverage pays for repairs to your vehicle, as well as medical expenses and lost wages if someone else was injured in the crash. If you have comprehensive coverage on your policy, then when a car accident occurs, this will help cover all these things so that no one has to pay more than what they would otherwise have paid out of pocket.
Repairs to the Vehicle
Your insurance company will pay for the repair of your vehicle if it is damaged in a covered event. If you don’t have collision or comprehensive coverage, you will have to pay out of pocket for any repairs that need to be made.
Totaled Vehicles
If you’ve been in an accident and your car has been totaled, it means that the vehicle is no longer drivable. This can be a devastating event for many reasons: not only do you lose all of the money spent on your car, but also any personal belongings inside of the vehicle.
Replacement
If you have been injured in an accident and your vehicle has suffered significant damage, it will be necessary for someone else to replace the vehicle or salvage it so that they can drive around safely again.
New Car Replacement – In this case, a manufacturer will replace your current vehicle with another one similar as close as possible (for example if there was minor cosmetic damage). If they cannot find another similar model then they may opt instead for a custom-built model at their own expense.
In short, your insurance policy will help you get compensated for vehicle damage in a car accident case. It will help you save a massive amount that you need to pay out of your pockets.
