While getting the medical attention you need after an Indiana car crash is your top priority, you are also concerned about how to get your car fixed. If the crash wasn’t your fault and you are pursuing personal injury damages against the other driver, what does that mean for repairing your car? We take a look at property damage claims here.
Property Damage and Personal Injury Are Two Separate Claims
The first thing to be aware of is that getting your car fixed and getting yourself fixed are two different claims. If the other driver is found to be at fault, you can file a claim on their insurance policy to have them pay for the repair of your vehicle. However, if you have comprehensive or collision coverage on your own policy, you might want to just deal with your own company. Here’s what you should know:
- If you only have liability coverage on your own policy, you will have to make a claim on the other driver’s property damage coverage. In Indiana, every driver must carry at least $10,000 in property damage coverage.
- If the other driver’s insurance company denies that their client is at fault, you will have to provide police reports and witness statements, and the process can drag out for weeks.
- If you decide to file with your own company and they agree that you are not at fault for the crash, you will not have to pay the deductible, and your rates will not go up for filing a claim. They will “settle up” with the other driver’s insurer.
- You should not need a lawyer for a property damage claim, but if you are also pursuing a personal injury claim, your lawyer may assist with this claim as well.
Ask Your Keller & Keller Attorney About Your Property Damage Claim
At Keller & Keller, we are happy to help you with a straightforward property damage claim as we hold the negligent driver responsible for your personal injury damages. We can discuss the damage to your vehicle in our free initial consultation to get you off on the right foot. While property damage claims can be handled without an attorney, we do not recommend handling your own injury claim. Schedule a free consultation with our Indianapolis attorneys to find out how we can help.