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If your vehicle is financed, you are well aware of what comprehensive collision insurance is. The reason creditors require this type of insurance is because it does cover any kind of loss on the vehicle—not just accidents. If your vehicle is stolen, vandalized, set on fire or damaged in any act of nature, the damages are paid for once you meet your deductible. The deductible is determined by the policy holder.
Most people don’t realize what their insurance policy covers, according to www.insureuonline.org, an information portal sponsored by the National Association of Insurance Commissioners. Even if you are not required to have comprehensive coverage, you will reap benefits if you are involved in a comprehensive collision accident. With a comprehensive policy, most of the expenses associated with the accident are covered. That includes a rental car if you need one to drive while your car is being repaired and your medical expenses. If you car is totaled, you will be able to pay off your note and get another vehicle.
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If the Comprehensive Collision is Not Your Fault
While it is good to have the coverage, your insurance company may not want to pay the entire claim. The other driver should be held responsible for the damages to your vehicle and any expenses. Unfortunately, this is not the case.
Your options are:
- See how much your insurance company will pay and walk away.
- Try to work out an arrangement with the other driver.
- See an attorney.
Related Article: Determining Accident Claim Value
The last option is your best option. In fact, you should consult an attorney after any auto accident, even if you don’t decide to sue.
- If you may have been involved in an Auto Accident and are considering obtaining legal help, Submit Your Case for a Free Review from a local Auto Accident Attorney .
How an Attorney Can Help You
- Not all insurance companies are bad but they are in the business of making money. It is to their benefit to pay out as little on a claim as possible. An attorney works for you to get the maximum benefit allowed.
- If the other person was at fault and they are not being cooperative, a lawsuit may be inevitable. You can represent yourself at court, but that would be similar to performing surgery on yourself. An attorney is experienced in handling these situations.
- How long will you be out of work? An attorney can help you recoup lost wages and other expenses.
Read more on How Car Accident Attorneys Help
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