How Do I Pay for Repairs After a Car Accident?

More Dealing with the aftermath of a car wreck can be stressful. From physical injuries to vehicle damage, getting back on your feet – and back on the road – may seem like a daunting task. But The Mike Hostilo Law Firm can help! Our car accident lawyers can handle your entire auto claim, easing […]
Published:  March 23, 2022

Dealing with the aftermath of a car wreck can be stressful.

From physical injuries to vehicle damage, getting back on your feet – and back on the road – may seem like a daunting task. But The Mike Hostilo Law Firm can help! Our car accident lawyers can handle your entire auto claim, easing your burden in the days ahead. 

With decades of combined experience serving accident victims in Georgia, Alabama and South Carolina, our team is well-equipped to handle auto insurance companies in these at-fault states. Contact your trusted car crash lawyer today! 

After a Car Crash, Who Pays for My Car Repairs?

If the other driver is to blame for your accident, their auto insurance company is responsible for paying for repairs. If they deny your auto claim or refuse to offer a fair settlement, you can choose to have your insurance company pay inside – minus your deductible. In this case, your insurer will seek reimbursement from the at-fault driver’s insurer, resorting to legal action if they still refuse to cooperate.

Types of Auto Insurance Coverages That Pay Damages After a Car Crash

Both collision and comprehensive coverage pay for repairs, but there are some major differences between the two. Here’s what you need to know about each type of coverage:

  • Comprehensive insurance: Covers repairs needed for non-collision damage. This covers storm damage, theft, vandalism, fire and more.
  • Collision insurance: Covers repairs or vehicle replacement after an accident involving another vehicle or stationary object. Most auto insurance companies will only add this policy if you already carry comprehensive coverage.

Keep in mind that the lower your deductible, the higher your monthly premium. 

What to Do After a Car Accident

After your car wreck, be sure to follow these steps:

STEP 1: Call 911 and report the accident.
Call 911 and wait for emergency responders to arrive. If you are not seriously injured, relocate to a safe spot away from traffic. 

Swap contact details with the other driver as well as any eyewitnesses – including name, phone number, driver’s license number, insurance company and policy number, license plate number and car make/model.

If possible, take photos of the scene, including vehicle damage and any injuries you have.

If you did not receive emergency medical care immediately following your car accident, be sure to see your doctor as soon as possible. This step is crucial, even if you do not think you are injured. In many cases, we have seen a seemingly minor ache or pain turn into a much more serious concern if left untreated.

Contact a qualified car crash lawyer as soon as possible for legal advice. Do not give a statement to the insurance company without first speaking to your attorney. 

What Auto Shop Do I Use After a Car Crash?

You may choose where to have your vehicle repaired, but keep in mind that if the estimate is higher than your insurance company’s preferred auto shop, you may have to foot the bill for the difference. Another advantage of choosing your insurer’s recommended repair shop is that they may guarantee any repairs made.

Getting a few estimates is typically a good idea. Ask trusted friends and family members for referrals, and be sure to give the repair shop a copy of your auto insurance company’s estimate. Remember to ask about lifetime warranties too. 

How to Address the Other At-Fault Driver’s Insurance Company 

What is a Third-Party Property Damage Claim? This type of claim is typically handled by the at-fault driver’s auto insurance company. It is handled separately from a personal injury claim, sometimes by an adjuster who specializes in vehicle damage as opposed to physical injuries. 

Here is what you can expect from the claims process:

While you are not required to get multiple estimates, your auto insurance company may be less likely to dispute the amount if you have a few detailed estimates. 

Your insurance adjuster may request an inspection of their own. While this is their right, they should schedule their inspection around your schedule to avoid any inconvenience to you.

Once the auto insurance company has estimates in hand, they will offer compensation. Now is the time to negotiate, ensuring the offer is fair. An experienced car accident lawyer can help make sure you are not taken advantage of and that you receive the compensation you deserve for vehicle repairs. 

More Questions? Discover A Car Accident Lawyer Near Me

Trust our car accident attorneys to handle your auto claim from start to finish. We’ll offer much-needed legal advice each step of the way, taking on the insurance company in pursuit of the damages you deserve.

Car accident lawyer near me? Call The Mike Hostilo Law Firm today!

We are proud to serve car crash victims in the following areas: 

Albany, GA
Atlanta, GA
Augusta, GA
Columbus, GA
Macon, GA
(Park of Commerce) Savannah, GA
(Abercorn) Savannah, GA
Statesboro, GA 
Warner Robins, GA

Aiken, SC
Beaufort, SC 
North Charleston, SC 

Phenix City, AL

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© 2023 Michael G. Hostilo, LLC
All Rights Reserved.
Locations - South CarolinaBeaufort
Law Offices - AlabamaPhenix City
*"Contingent attorneys” "No fee unless you win or collect" and "You only pay us if we win your personal injury claim" fees refer only to those fees charged by attorneys for their legal services. Such fees are not permitted in all types of cases. Court costs and other additional expenses of legal action usually must be paid by the client.

Any result the lawyer or law firm may achieve on behalf of one client in one matter does not necessarily indicate similar results can be obtained for other clients.

Mike Hostilo is not licensed to practice law in South Carolina.
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