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Who Will Pay For My Property Damage After A Car Accident?

THE QUESTION OF WHO WILL BE PAYING FOR MY PROPERTY DAMAGE DEPENDS ON HOW FAST YOU WANT YOUR VEHICLE REPAIRED.

Under Texas law, you have the right to repair your car at the body shop of your choice. The question of who will pay for my property damage after a car accident depends on how fast you want your vehicle repaired. And if the at-fault party has accepted liability. 

AFTER AN ACCIDENT SHOULD I MAKE A CLAIM FOR MY CAR DAMAGE ON MY OWN CAR INSURANCE?

When you are involved in a car accident with another person, and the other person is at fault, they will pay to repair your car damage or total your vehicle. However, before they pay for anything they have to determine if their insured was at fault and is responsible for your car damage. Their investigation process could take up to 30 days depending on their insured’s cooperation, the duration it takes for the police report to get ready, and other factors. 

Therefore, if you have collision coverage on your own insurance policy, it is best practice to use your own insurance for faster results. Would the insurance company raise my premiums? My answer is usually yes, however, not for the reasons that you think and you have options to lower the premiums. (Better understand your insurance policy.)  

HOW DO I REPAIR MY CAR AFTER I MAKE AN INSURANCE CLAIM?

Once you claim the car damage with either insurance company they will send an adjuster out to inspect your car. The adjuster evaluates the car damages and creates an estimate for the insurance company. You will notice that the estimate of your car damage from the adjuster is lower than the estimate provided by your body shop.

There is no point to argue or and try to point out all the damages to the adjuster. The adjuster undervalues the repairs to benefit the insurance company and the body shop overvalues the repairs.  

In addition, the adjuster does not consider the car damages that are not visible to the naked eye. Therefore, it is important that your body shop opens the vehicle and inspects the car for additional damages. The body shop then will call the adjuster to come back to the body shop to supplement the car damage. If the damages exceed the value of the car the vehicle will be declared a total loss.  

WHO WILL PAY FOR MY RENTAL CAR IF MY CAR IS GETTING REPAIRED?

If the at-fault’s insurance company is paying for your car damage, during the time that your vehicle is being repaired, you have the right to be in a rental vehicle. It is important that you follow up with the body shop on your repairs. The body shops have the tendency to get lazy and prolong your repairs.  

If the body shop prolongs the repair of your car damage you will be responsible for the rental days not covered by the insurance company.

In the past when the body shop takes too long, I have asked the body shop to cover the additional rental days that the body shop does not cover.

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Elizabeth Ontiveros
Elizabeth Ontiveros
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Chalaki Law went above and beyond in my case. I HAD THE BEST REPRESENTATION!! They fought for my case until they finally got justice for me. I felt very positive all through my case knowing Sean, Shawn, and Robert had my back. I truly recommend Chalaki Law. Thank you for all you've done for me. Google Logo
Rolando Morales
Rolando Morales
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I wanted to say thank you to Chalaki Law for doing a great job on my case. All of the employees are very kind and ready to help you with anything. I recommend anyone who has gotten into a car accident to call Chalaki Law because they defend your rights, thanks to them I won my case. Google Logo
Rashad Haiddar
Rashad Haiddar
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These guys were professional and got me thru a very hard time , mr Hashemi was my attorney at Chalaki law and I couldn't be more impressed with the service. Mr Hashemi is great at business litigation cases. Highly recommend them for any business dealing or disputes. Google Logo
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Tammy Garcia
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Sean Chalaki and his team are an awesome group of people!!! They exceeded my expectations and were extremely professional and responsive through my whole experience. I definitely recommend them!!!! Google Logo
Tasha Jackson
Tasha Jackson
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Chalaki Law did an amazing job handling my car accident case. I could not have asked for better care and promptness. Keep up the good work. Google Logo
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Meron G
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Love their service, professional and aware of the little details that affects their customers cases. We are using their service second time since we were happy few years ago. Google Logo
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Maritza Oviedo
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I loved Sean. He is such a great person & lawyer. He did such a great job with our case. I would use him again. Very professional. Google Logo
Rick Jennings
Rick Jennings
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I had the best experince ever with my law office of Sean Chalaki my lawyer josh and team made me feel welcomed.i came in with a DWI that i did not do and they didnt stop until they got me out of trouble with nothing on my record if u need help and need a law office that will fight for u give them a call. Google Logo
Jackie Munoz
Jackie Munoz
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I couldn't have asked for a better representative then the Offices of Sean Chalaki. Sean and Rocio handled my case amazingly and made me feel reassured of everything. Google Logo
LeNae Goolsby
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Integrity is doing what we say we'll do. Sean Chalaki is most definitely a lawyer of integrity. Google Logo
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Leysha Cherish
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They were amazing throughout my experience. Very helpful and made sure I was kept up to date and happy the entire process. Google Logo

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