Many people are understandably confused when trying to deal with insurance claims after car accidents. This is because Pennsylvania insurance rules are confusing and complex. Pennsylvania is one of the few states that use an insurance system called ???choice no fault??? rules, which means drivers have the choice of opting in or out of no-fault rules. However, the no-fault rules only apply to personal injury claims and not property damage claims, which means at-fault drivers are financially responsible for the cars they total.
How Does the ???Choice No-Fault??? System Affect Me?
Therefore, this means that if you have no-fault insurance coverage, you need to make sure you also have collision coverage for your own vehicle so that the damages to your car would be covered. If you have opted out of no-fault insurance in favor of full tort coverage, you can make a claim against the other driver???s car insurance to pay for your totaled vehicle.
Unfortunately, insurance companies often delay paying claims or deny responsibility. This can cause an uphill battle for you, which is why many drivers turn their property damage claims over to their own insurance companies and let the insurance company deal with the defendant???s insurance company.
If you chose to make a property damage claim with your own insurance company, your policy would need to include collision and comprehensive insurance coverage. Having this type of coverage will ensure you will be paid for the damage to your vehicle???even if it is totaled. While you will have to pay the deductible to your own insurance company for making this type of claim, you should get the deductible reimbursed from the other driver???s insurance company.
When getting compensation for a totaled car, it is important to note that insurance companies will attempt to offer blue book value, which sometimes isn???t a fair value. Insurers are supposed to offer fair market value for totaled cars, which is why it is essential that you do your research on your car???s value in order to know if the insurance company is presenting you with a reasonable offer. For example, you can look online and even contact a dealer to find out what they would pay for the type of car you had before it was totaled.
At Gibbons Legal, We Can Help Even the Playing Field
Sometimes property damage claims can be simple and straight forward; however, other times insurers use dirty tricks and tactics to get out of paying what they should. In this event, an accident attorney can help sort things out and deal with the insurance company on your behalf to get you the compensation you need and deserve. At Gibbons Legal, we will evaluate your claim at no cost to you. Feel free to start an online chat with us today for a free consultation.