After a car accident, compensation for your vehicle damages is typically handled through the insurance claim process. Whether you are filing a claim with your own insurance company or the at-fault driver’s insurer, understanding how your vehicle’s damages are assessed is crucial to getting the full compensation you deserve.
If you’re unsure how to navigate the insurance claim process or believe your vehicle damage may be undervalued, contact a Chicago car accident lawyer at Staver Accident Injury Lawyers, P.C. today at (312) 236-2900 for a free consultation. We can help ensure your claim is handled correctly and that you receive fair compensation.
How Vehicle Damage Claims Work After a Car Accident
Understanding the process of filing a vehicle damage claim can help you protect your rights and ensure you receive fair compensation. From documenting damages to negotiating with insurance adjusters, each step matters in determining how much your insurance company will pay.
Knowing what to expect and preparing the proper evidence, like photos, repair estimates, and vehicle history, can make the difference between a low settlement and complete reimbursement for your car accident damages.
Visual Inspection and Repair Shop Estimates
The first step in most vehicle damage claims is a visual inspection of your car. Depending on the situation, an insurance adjuster may inspect the vehicle in person or request that it be taken to an approved inspection center. Be present during the inspection whenever possible, as adjusters may overlook damage or underestimate repair costs.
The adjuster’s goal is to verify that the damages were caused by the specific accident and not pre-existing issues. They will check for rust, prior repairs, or other signs of previous damage, as you are only entitled to compensation for damages resulting from the current accident.
To strengthen your claim, take detailed photos of all damage and obtain repair estimates from multiple auto shops. This documentation ensures that your claim accurately reflects the cost of repairs and supports your case if the insurance company underestimates the damage.
Disputing the Insurance Adjuster’s Initial Offer
It is common for insurance adjusters to offer less than the full value of repairs initially. This is standard practice; most adjusters expect negotiation.
To maximize your compensation:
- Collect multiple repair estimates from reputable auto shops.
- Document the damage with photos or videos.
- Highlight specialized repairs or rare parts, especially for classic, luxury, or modified vehicles.
Having this evidence allows you to dispute the initial offer and negotiate a settlement that reflects the actual cost of repairing your vehicle.
When Your Car May Be Declared a Total Loss
If the cost to repair your vehicle meets or exceeds a certain percentage of its market value—usually 50% or more—the insurance company may declare it a total loss. In this case, the insurer typically provides a payout equal to the car’s pre-accident market value.
Keep this in mind when negotiating. Arguing for a higher repair estimate could result in your car being declared a total loss, which may or may not align with your goals:
- If you want to keep your vehicle, a total loss may not be ideal.
- If you prefer a payout to purchase a replacement vehicle, it could be beneficial.
A Chicago car accident lawyer can help you navigate these decisions and ensure you receive fair compensation for your losses.
What Happens When the Car Damage is Too Expensive?
Depending on the insurance company, if your car’s repair expenses are equivalent to 50% or greater of the car’s market value, the car will be considered a total loss. In that case, the insurance company will give you the equivalent of the car’s market value in its pre-accident condition.
Keep this in mind when negotiating with the claims adjuster — if you argue that your car’s damages are greater than the initial estimate, you may end up having your car qualified as a total loss. Depending on your interests, this may or may not be a good thing.
Tips for Maximizing Your Vehicle Damage Claim
Maximizing your vehicle damage claim starts with careful preparation and documentation. Taking the right steps immediately after an accident can help protect your rights, prevent disputes with the insurance company, and ensure you receive full compensation for your damages. Following proven strategies makes it easier to negotiate a fair settlement and avoid common pitfalls.
- Document everything: Take photos and videos immediately after the accident.
- Get multiple estimates: Obtain repair quotes from several certified auto shops.
- Keep detailed records: Maintain receipts for any towing, rental cars, or repairs.
- Avoid discussing fault: Do not admit liability or make statements to the other driver or their insurance company.
- Consult an attorney early: A lawyer can review your case, negotiate with the insurance company, and help you maximize your settlement.
Get Help From a Chicago Car Accident Lawyer
If you have questions about the insurance claims process or believe your vehicle damage claim may be undervalued, you don’t have to handle it alone. A Chicago car accident lawyer at Staver Accident Injury Lawyers, P.C. can guide you through the process, negotiate with insurance adjusters, and ensure you receive fair compensation for your damages.
We handle the paperwork, communicate with insurance companies, and deal with defense attorneys so you can focus on your recovery and treatment.
Call us today at (312) 236-2900 or contact us online for a free consultation.
