Small Claims Court

The dispute over damages to your car

Going in front of a judge can be an intimidating. If you do not know what you are asking for or if your claim is bogus, then the judge will not be very nice to you. However, if you know both, you can make the process work for you.

When you argue the case, tell the judge that fault is not at issue (both parties agree to fault). This is common on rear ender situations. I was sitting and he came from behind and hit me. This is clear fault, but we hear with a dispute over the amount of damages.

Most of the time, you wind up in court when the other person insurance company does not want to pay for all your damages. They want to deduct this or that, or they believe your estimates are too high. If they do not listing to you, you can sue the person that cause the accident and get a judgment. The insurance company is bound by the judgment, regardless of what they think.

You should always have at least three estimates showing what you are asking for. If you come in with only one, the judge will assume that you went to the most expensive place you could find (not reasonable). If you go to three different shops (that you do not own, work at, or have any relation to) then your chances of getting what you want is much greater.

The judge will ask you for a figure, so just because you have three estimates, do not expect the judge to do the math for you. Take the three estimates and go with the middle one. Do not pick the most expensive ones, and do not pick the cheapest either. Just go with the middle one.

If the estimates are close to each other (estimate A is $2,500, B is $3,000, and C is $3,500) then you are good to go.

Do not show estimates that are very low or very high from the others, it simply makes the judge wonder if there is a way to fix your car some cheaper way.

The important thing is that you want appear reasonable. If you show that you have no flexibility at all, the judge might punish you by giving you the value of the cheapest estimate.

There is no law that says that you have to go to court with 3 estimates. You can have 10 or you can have 1 (or none). But 3 is the customary number and it allows you to make a decision (pick the middle). If the estimate is reasonable (and you did not prepare it yourself), chances are the judge will give it to you.

If the car has already been repaired, then you need to show that you went with the reasonable shop, not the most expensive one, and the repairs were in fact for the damage the other person caused. A rental bill should show you that you took a comparable vehicle for the amount of time the car took to be repaired, and not any longer.

Note, most judges want to see that you actually spend money for a rental car. If you did not pay anyone (and have a receipt), then judge might not give you the rental value. She will tell you that you did not prove that you needed this rental car and therefore will not pay you.

If you are thinking to go to small claims court over a damage dispute, remember that you get “one bite to the apple.”

In other words, if you win, you cannot come back later and argue that you need more money because your car was not fixed correctly on the first place or the estimate turned out to be too low (estimates are estimates, and the actual cost of repair can be up to 20% higher than the estimate).

So this will be your dilemma, either you fix the car and then try to collect back what you actually spend and risk not getting it all. Or you take the estimates, get a number and hope that the actual repair will be close to the exact amount. I would rather go with the first one (this is assuming that fault is clear), but it is hard decision for you to make.

Traffict Ticket eBook
Speeding Ticket eBook

1. Small Claims Court (Overview)
2. When to go Small Claims Court
3. Important Small Claims Considerations
4. How to argue your Small Claims Case
5. Small Claims Court Legal Argument Part I
6. Small Claims Court Legal Argument Part II
7. Arguing in Small Claims (the Police Report)
8. Small Claims Court and the Auto Damages
9. Small Claims and the Injury Claim
10. Collecting the Small Claims Award
11. Appealing the Small Claims Court decision

Total Loss eBook
Personal Injury eBook