Many people try to limit costs as much as possible following a car accident, and these cost-saving efforts can include trying to make auto repairs yourself without going to a body shop.
However, can you be reimbursed for these repairs in the same way that a professional body shop would be reimbursed?
It can be complicated, and for this reason, it is recommended you speak with an attorney before making any decisions.
We have asked attorney, Alaina Sullivan, about this scenario. Here is what she had to say:
Property Damages Claims Process
Following your car accident, you face two different types of easily measurable damages: property damages and medical claims. Out of the two, property damages can be somewhat easier to prove and, as a result, are more easily settled.
However, your insurance company or the other party’s insurance company will require you to follow a specific process to prove your claims and receive compensation for damages caused from the accident.
Receive an Estimate First
Before you do anything, whether that be repair your own damages or hire a professional, you need to have an adjuster look at the damages to your car and give you an estimate. Most insurance companies will require this step so that they have proof of exactly what your damages entail.
These adjusters will assist in settlement negotiations, and insurance companies will use this figure to begin negotiations.
If the insurance company insists on using their adjuster, you are welcome to seek your own, as well, should you believe that the amount quoted is too low.
Get the paperwork from the adjuster and keep it on hand as you go through the claims process. This proof will be invaluable, regardless of how you choose to pursue repairs.
When Professional Repairs Are Required
Sometimes you simply have no choice but to have your car repaired professionally. In these situations, your hands are tied, and you need to follow required procedures laid out by your insurance company.
If you have a lien on your car, the insurance company is not going to write the check out to you, in your name. The reason for this is you are not the one who owns your car.
The lien holder does. They have a vested interest in the value of your car, and after a car accident, the value of their investment has drastically dropped.
The lien holder will want your car to be brought back to the condition or state it was in prior to the accident. While you may very well be a skilled mechanic and may be capable of repairing your car to the point where it appears to be professional, they cannot take that chance.
Therefore, the check for repairs will be made to the company making the repairs, not you personally.
Can I Fix My Own Car?
Yes, you can fix your own car, however if the damage you face is not significant and you are able to easily fix those damages, you do have the right to keep the money paid to you by the insurance company.
Before you take the money and make the repairs, ensure your work on the car will not later result in more repairs. You only get one claim, and once you use that money, you cannot pursue additional damages you find at a later date.
You will be barred from making that request.
Check with Your Insurance Agent First
You need to know the terms of your policy before you make any decisions. Your policy could require you to seek professional repairs. Your policy could also place a few other limits you may not even be aware of, and the only way you can protect yourself from making a mistake that could hurt your chances of compensation is to talk with your agent first.
Be sure to ask him or her if making repairs on your own will affect your vehicle coverage. In some situations, fixing your car with the payout proceeds can have some effect on the coverage you have on your car.
It's a good idea in this situation to ask first.
Contact an Attorney Today
If you have been involved in a car accident and are facing property damages, it is important you speak with an attorney before making any repairs. A licensed personal injury attorney will be able to review your case and determine if you have a claim against the other party’s insurance company.
To receive the compensation for your medical bills, property damages, and pain and suffering, you should speak with a personal injury attorney in your area today.
