Auto Property Damage Claims.

There are many regulations and tricks the insurance company will use against you. They will try to fix your car with used parts and pay less to your mechanic!

Auto Property damage claims include damages to your car, your rental, towing, storage, and any personal property loss caused in the accident.

In order to recover for these damages form your own insurance company, you need to have collision, comprehensive, rental, and or uninsured property damage.

You can always recover for these damages from someone else�s insurance company if they are liable for the accident. It is important to note that there are certain claims you can make that are not covered by insurance.

For example, some insurance polices exclude Diminished Value claims, however that does not mean that legally you cannot ask for this in a court of law or in small claims court. Another example is simply a rental car. Most insurance companies will try to put you in the cheapest car they can, however, you can ask a court for the actual loss of use of your vehicle.

There seems to be confusion between what insurance pays and what you are legally entitled to recover. Make sure you differentiate the two. Often times the insurance company will suggest that you do not have any legal recourse for damages their client caused.

Remember, the fact that insurance does not pay for something does not mean that you cannot try to recover from the person that wronged you directly.

Under this section, I will cover how insurance companies evaluate the property damages and how they offer settlements. Auto property damages claims tend to be less subjective than bodily injury claims. The question of how much will it cost you to fix your car? is easier to answer than how much does your headache cost?

Insurance companies are very good litigators; they know what they can get away with. This does not mean that they will try to cross the line and get awat with more. You need to be aware of what the insurance company can deduct and what they cannot.

When we look at seeking payment from an insurance company, we want them to pay for everything we can get, but on the other hand, if your insurance is paying someone else for something you damaged (an old car), would you want them to pay someone else for a new vehicle? Probably not. Rremember, the reason why we pay insurance is to be put back in the position we were right before the accident, and not to profit from it.

If I damage a door, then my insurance should pay for a door and make sure the door is in working condition, not necessarily a new door. However, this is not always achieved.

Please follow the links below to find more information about specific property damage claims.