Repair Coverage

Q. IF I PUT A LOT OF MONEY INTO REPAIRING THE VEHICLE BEFORE THE ACCIDENT, WILL I GET REIMBURSEMENT?
A. You will not be reimbursed for "normal" maintenance. For example, if you had recently replaced the brakes, that would probably be considered "normal" maintenance. However, if you paid for the repair that improved the value of the auto, it may be reimbursed. You must provide documentation for any modification you have made. For example, if you had recently replaced the engine or transmission or tires, you must provide the insurer with the receipts for the parts and labor. Without that documentation, there is no way to substantiate that your vehicle was repaired.

Q. WILL THE AT-FAULT INSURANCE COMPANY PAY MY DEDUCTIBLE?
A. If your own insurance company pays for the repair of your vehicle, you will be responsible for paying your deductible up front. The negligent party's insurance company should eventually reimburse you for your out of pocket deductible.

Q. WHAT IF SOME OF MY PERSONAL PROPERTY WAS DAMAGED IN THE CRASH?
A. Unless you or the defendant carry a Personal Property Protection Policy, you will not be reimbursed for personal objects damaged inside your car as a result of the crash.

Back to Legal Rights in Serious Auto/Truck Accidents