If we consider this question from the point of view of common sense, it becomes obvious that the driver (or other road user) who is responsible for this event must pay for the results of the accident. It completely makes sense, but sometimes it does not work.
Where to go after registration of an accident. After all the documents have been drawn up and the driver turned to the insurance company, the insurer is obliged to set the time and place of the vehicle inspection to assess the damage within five days.
The time of the appraisal of the car is assigned taking into account the work schedule of the insurance and expert organizations. If the damage is so strong that it is impossible to get to the place by its course, then the condition of the car is estimated at the location of the car (wherever the tow truck took it).
At this stage, if the driver agrees with the results of the assessment and the amount of compensation, he receives payment.
As part of the crash benefit system in some states in the United States, your own insurance company pays for the damage caused to your car, regardless of who caused the accident. Thus, even if you were hit by a drunk driver who drove through a red light, and he was found guilty of drunk driving and dangerous driving, and also wrote you a long apology note that admits his guilt, it will not matter. Your insurance company pays for the damage caused to your car.
Then your insurance company can receive the full amount of compensation due to the fault of the driver or his insurance company. This is called “subrogative interest.” Your insurance company is completely dependent on whether they pursue this subrogative interest in relation to the driver responsible for the mistake. No matter how much you ask the insurance company to get the wrong employee to pay for his actions, they don’t have to do anything if they don’t want it.
It is also worth noting that the regulator with which you will deal, for the damage caused to your vehicle, is called the “regulator of properties”. These adjustments are different from those that handle your accident benefit or claim pain and suffering. The job of the “property regulator” is to determine the extent of damage to your vehicle and compensate you for this damage. You may run into problems if you think that your low-mileage used car had much more value than the value that the insurance company assigned to it.
Example: your Honda Accord 2005 drove 60,000 km. It was written off in a car accident. The actual cost of the car was $ 12,500 because it was traveling so well. But the insurance company adheres to a strict cost and estimated replacement cost at $ 8,000. This is a short drop of $ 4,500 that you have with your insurance company. In such cases, it is best to contact your injury lawyer or file a lawsuit in a minor lawsuit. The court of petty litigation is no longer so small. The limit is 10,000 dollars. Now it is set at $ 25,000, which makes it an excellent option for this kind of property dispute about the replacement cost of a damaged car.
Picture Credit: Tumisu