CAR DAMAGE INSURANCE AFTER AUTO ACCIDENT – LAWYERS MN

Our car accident lawyers focus on injury cases. However, with a car accident injury comes damage to your car.  If the other driver is at fault their insurance must pay to fix your car. But do they have enough auto insurance? Do you have enough insurance? People rightly are most concerned about injuries. Causing a serious injury or death can expose you to significant liability. But adequate property damage coverage to pay for damage to other vehicles is also important.

Unfortunately, our lawyers often see people with just $10,000 or $25,000 in car damage insurance. This is not insurance for damage to your car. Insurance for damage to your car is called comprehensive collision. That insurance is based on the value to your car. However, property damage coverage is for when you are at fault and damage another person’s car.

Recently, our car accident lawyers had a case involving three cars. One car pulled out into an intersection too soon. Unfortunately, he hit a car and then pushed that vehicle into our client’s car. In other words, he damaged two cars plus his own. One car was totaled and one had significant damage.

WHAT IF THE CAR THAT CAUSED THE CRASH DOESN’T HAVE ENOUGH INSURANCE?

The cost to repair and replace the two other cars was about $50,000. Unfortunately, the car that caused the crash only had $25,000 in property damage coverage. So what happens when there is not enough insurance? In this case, our client did not have comprehensive collision coverage, so he was relying on the at-fault driver’s insurance. Because there was not enough insurance, the available insurance is paid proportionately to the two damaged cars. In other words, our client will not get full reimbursement for his car. However, he can still go after the other driver for the rest.

CAR ACCIDENT LAWYERS MN

If you have questions about your car damage after an accident, you are welcome to call us. Our car accident lawyers have over 25 years’ experience handling cases throughout Minnesota. The initial consultation is free. Our cases are about car accident injuries. However, a lawyer will be happy to answer your questions about the car damage as well.