After an accident, there are several things you’ll need to do in order to get back to your best life as soon as possible. Seeking medical attention for any injuries is likely your biggest priority. Once you’re back on your feet, though, you’ll likely want your vehicle back in proper working condition. While it’s natural to want your wheels and mobility back, there are some things to know before repairing your vehicle after an accident.
First, Take Pictures
Don’t get your vehicle repaired without taking a lot of pictures of the damage first. insurance in Kentucky does not cover property damage, only personal injury. Due to this, you’ll likely have to speak to the other driver’s insurance company about the repairs you need. You want to ensure you receive a settlement from them that will cover the full cost of the repairs. The insurance company won’t want to provide this fair coverage, so you’ll need to validate that you need it for the amount of damage to your vehicle. If you get your vehicle repaired without taking pictures, you won’t have this proof. In addition, the insurance company may say you had repairs made that had nothing to do with the accident.
You Can Use Your Own Body Shop
The insurance company may also try to tell you that in order to receive a settlement, you’ll need to only visit certain body shops. They do this because insurance companies have deals with many body shops. They send you to a particular shop for repairs, giving more business to the shop. In exchange for that new business, the insurance company tells the shop to use non-OEM (Original Equipment Manufacturer) parts. This means that the parts could possibly be defective or faulty. The parts may have even been recalled in the past. When any of these parts are on your vehicle, there’s a much greater chance of an accident and injury because your vehicle is not safe. Know that you can, and you should, go to any mechanic or body shop you choose.
Ask the Shop or a Lawyer to Call the Insurance Company
Again, the insurance company likely isn’t going to want to pay the full cost of your car repairs. Due to this, they’ll say certain repairs aren’t entirely necessary, or that you can use cheaper parts. Even after a mechanic fully explains to you why you need certain parts, you may not understand enough to explain it to the insurance company. When this is the case, know that you can ask the shop to call the insurance company and explain it to them. An attorney is also well-versed enough in these matters to call the insurance company and explain what’s needed. When your lawyer phones the insurance company, they can also discuss other details of your case, such as the extent of your injuries.
Most vehicles, as indicated in the Owner’s Manual, must have all restraint systems replaced after their has been a collision for basic safety. Many repair shops overlook this and the insurance company certainly isn’t going to remind them. Make sure you have your vehicle’s restraint system replaced after you have been in a car accident in Kentucky.
Speak to a Kentucky Car Accident Lawyer Who Can Help
After an accident, dealing with the insurance company is often one of the most difficult things for car accident victims. A car accident lawyer in Richmond can negotiate with the insurance company on behalf of those injured to obtain fair treatment and fair compensation.
If you’ve been hurt in a car accident, contact the Morrin Law Office at (859) 358-0300. We’ll review the facts of your case, make sure you know how to get to your best life from here, and we will hold the insurance company accountable for the full settlement you deserve. Call or text us today or complete our online form for your free case evaluation.