Car accidents don’t always result in injury fortunately. Sometimes all you need to do is to file a property damage claim and get reimbursed by the insurance company. But sometimes getting the money you need to repair or replace your car isn’t that easy. Sometimes problems arise because of the circumstances of the crash. Other times it’s a matter of miscommunication. Below are some things you need to know about filing a property damage claim.
1. File with the insurance company of the at-fault driver
If it is clear that the other driver is at-fault, file with his or her insurance company. If you aren’t sure at this point, go ahead and file with your own insurance company as well, which is always faster. Even if you learn the other driver was at fault after your insurance company pays your damages, they will seek subrogation to get the damages they paid reimbursed and get your deductible back. You have time limits for filing a property damage claim so don’t delay.