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When you have a wrecked car you can either get an Auto Insurance Claim or file a claim with your auto insurance provider. Many times people who do have wrecked cars also feel they should have gotten some kind of insurance coverage in the first place. It is really up to the individual to decide if they should have gotten coverage for their wrecked car. If you get the insurance and it is the right amount, the good news is that most companies will give you a full reimbursement. This means that you will be able to buy the new car of your dreams.
A standard auto insurance policy usually will not cover to repair a car if it has been totaled. If your car has been totaled, then the insurance company usually has decided that the repairs going to be more than the vehicle is actually worth, or the vehicle is beyond repair anyway. In this case, you will need to get a property damage liability insurance policy to cover the difference. This type of policy covers not only your vehicle but also any belongings in your vehicle. If your vehicle is totaled out then you will need to get another vehicle to replace it.
Your vehicle’s actual cash value is what it is valued at before you finance it. If your vehicle is totaled out then you will not get anything from your insurance provider for that vehicle. The repair costs will be covered by your property damage liability insurance. So basically, even though your vehicle may be totaled out, you will still be able to get some form of reimbursement for the damage done to your auto.
Your lender, if you have a bank account, will want to see the actual cash value of your car in order to know what the worth of it is. You can get this information from your bank. The auto lender will take a report on the car and give you an estimate based on the value of the car. You can then work out with your lender how much you will be able to borrow from them based on the value of your car. However, you should keep in mind that you are still responsible for the loan after the entire lump sum has been paid off.
If you financed the vehicle and the car were financed through your auto financing company then they will most likely offer you either a comprehensive or collision coverage with your insurance policy. The collision part of the coverage will pay for damages to your vehicle that are caused by collisions with other vehicles, such as collisions with a shopping cart in your local grocery store parking lot. In addition, comprehensive coverage will cover damages that occur because of fires caused by your vehicle in a fire.
Your lender may also offer a towing service in the event that your vehicle is completely totaled out. Towing services are usually very cheap but make sure that you call ahead to see if there is one available in your area. You can use the internet to look up towing rates in your area. In the event that your vehicle is totaled out then your lender may also offer you a new car or a cash advance to get you by until you can get your vehicle fixed.
When you do have a vehicle that is totaled out then you must decide what you are going to do next. If you decide that you want to have it repaired then you should contact the insurer that you originally took the car to. They will send a representative to take a look at the car and to determine how much it will cost to fix it. In the event that it is too costly then your insurer will likely offer you a new car and pay for the cost to fix the vehicle. This is the best solution if you have totaled out and have no other choice.
Your at-fault driver might offer you a settlement in order to avoid a lawsuit. If you agree to this settlement then the other driver will not be able to sue you for the damages that were inflicted on them as a result of the accident. This is the only way that you can be compensated in such an event. However, if the other driver is not willing to settle the claim then you are entitled to file a lawsuit against them. You should consult with a Palm Beach automobile lawyer to find out exactly what you are entitled to.
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