Who Pays To Fix My Car After Baltimore Accident? I Don’t Want My Rates to Go Up.
Who Pays To Fix My Car After A Baltimore Car Accident? I Don’t Want My Rates to Go Up.
Of course, if someone damages you, and your car, through no fault of your own, you are entitled to recover damages for personal injury, Attorney Eric T. Kirk can explain to you, and for damages to your property as well. While you are entitled to collect your full property damages from the at-fault driver, or their insurance, many of my clients have chosen to pursue repair through their own collision insurance coverage. So who pays to fix my car after a Baltimore car accident may well depend if you don’t want rates to go up. The downside to using your own insurance is that they frequently have to pay their deductible. The upside is that typically, the overall process is quicker.
“If your car can be fixed, you’re entitled to reasonable repair costs plus a reasonable amount for loss of use [e.g. rental]. If your car is total loss, you’re entitled to the fair market value of the car, plus loss of use while you replace the car.”
The prudent driver will carry “GAP” insurance on all vehicles they do not own outright. There is also a separate type of property damage claim dealing with the loss of value called “diminution of value” discussed in another chapter. I am frequently asked the question posed title of this article. Who pays to fix my car after an accident? I am also frequently asked to provide an opinion on the reasonableness of a property damage offer, and I am aware of alternatives for you if you don’t want to accept it.
I Don’t Want My Rates to Go Up After a Baltimore Car Accident
Car insurance deductibles—the amount Baltimore’s policyholders pay out-of-pocket before insurance coverage applies—can range from $100 to $2,500, with evidence suggesting $500 being the most common choice among drivers. Some contend this standard is generally prevalent across major insurance companies, including State Farm, Progressive, GEICO, Allstate, and USAA. Once choice available to the injured Baltimore driver dealing with a property damage claim is opting for a higher deductible, such as $1,000 or more. While can lead to lower monthly premiums it results in higher out-of-pocket expenses in the event of a personal injury or property damage claim. Conversely, selecting a lower deductible increases premium costs but reduces immediate expenses following an incident.
RESOURCES:
https://opendata.maryland.gov/Energy-and-Environment/Certified-Emissions-Repair-Facilities/2r3f-8tuf
If you’ve been injured, I’d be honored to personally meet with you to go through the specifics of your claim. This initial legal analysis and case opinion is a complimentary service I offer to my prospective clients.
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A Baltimore car accident and personal injury litigator who has taken hundreds of cases to trial in Maryland, New York and Florida, recovering millions over a 30-year mission to obtain denied compensation for his clients.
