Vehicle Repair/Rental
If your vehicle is repairable, and you either have collision coverage
or the at-fault party has taken
responsibility you can take your vehicle to the shop of your choice. The insurance
company that will foot the bill is going to want to inspect and photograph your vehicle
and do a repair estimate, which will then be the basis upon which the body shop will be
paid. You probably want to meet the body shop manager, discuss how you want the repairs
done and monitor the repairs.
Give the at-fault party or their insurance carrier an opportunity to
inspect and photograph your damaged vehicle before you modify or repair it. Failure
to do so opens the door to some arguments you don't need.
You may want a rental vehicle during any period your vehicle is
disabled or being repaired. Sometimes, but not always, the insurance company of the
at-fault party will arrange a rental for you. This is called a
"direct-bill". You may be required to pay a cash deposit or have it
charged to a credit card even if a direct bill is authorized. In some cases, you
will need to rent a vehicle and then seek re-imbursement.
In any case, you will want prompt repair of your vehicle to get it back
promptly and also to avoid the insurance company terminating the direct bill before the
vehicle has been returned to you or having the insurance company deny part of your claim
for re-imbursement. Keep an eye on minimizing rental charges to avoid having the
insurance company not fully reimbursing you.
If your vehicle has substantial damage and or the vehicle is older and
not of high value, the insurance company may say your vehicle is a "total
loss." They will then use a company [which they maintain is neutral] which will
value your vehicle as it was pre-accident. Such valuations especially when from the
at-fault company tend to be low. Your may be better off using your own collision
coverage and letting your carrier obtain the re-imbursement from the other carrier.
But don't confuse obtaining re-imbursement with representation. Insurance companies
represent only their own interests - only a lawyer can represent you.
Please note that The State Bar of Nevada does not certify any lawyer as a specialist or
as an expert.
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