Property Damage Claims | Poynter and Bucheri Accident Recovery Lawyers

Описание: Hi, I'm Rich Bucheri from Poynter & Bucheri, And today I want to talk about what you need to know about handling your property damage claim.

So if you've been involved in a car accident and your car was damaged, it's the other party's fault. So you may anticipate that they should be paying your property damage. What you don't want to do is to wait around and have that insurance company give you a call and find out what they're going to do to take care of the damage. You definitely want to be proactive in terms of finding out what the damage was to your property and making that claim.

So the first thing I always do is before any repairs are made, before anything else happens, take photos of the visible damage. And so very carefully go around your car and take photos of all the things that you believe are damaged related to the accident.

And then the next thing to do is to find a respected dealer. So maybe you want to go to the Kia dealer if you have a Kia or whatever it is, but you want to get an estimate from a respected dealer. Usually these are free estimates.

And then don't forget other property that may have been damaged in the vehicle as well. Car seats, cell phones are a couple of other things that usually get damaged in addition to the car. And so make sure that you have receipts for that property. If you're going to need to get new receipts, then you're going to have to submit that with your property damage claim.

Finally, make sure that you talk to the insurance companies and set up your claim so that they know that the accident occurred and that you want them to pay for it. So the first thing I would do is call the third party insurance company and set up the claim and let them know that you have property damage and that you have taken the car to a dealer. Sometimes they'll want to send their own person there to take a look at it as well. That's fine, but you want to make sure that the dealer estimate is the one that you carefully take a look at, because that person should be looking out after your best interest.

If you want to make a claim on your insurance company as well, then sometimes your insurance company will come out and send somebody, or they'll tell you to go to a dealer to get an estimate one way or the other. The problem with using your insurance company is that obviously there's going to be a deductible. And so you're not going to get the full value of the repairs that needs to be made. But in a situation where the third party insurance company is not responding, or they're taking their time, then you may want to go through your insurance company first and then let them go after the third party insurance company and get paid back through arbitration.


Also, just as a final reminder, be aware of storage charges. So the longer the property damage situation goes on, the more storage charges you may be incurring, especially if your car is going to be a total. And so make sure that you are aware that those storage charges are being incurred and that there is something that you are doing to move the property damage claim forward at all times. The other side should be responsible for the storage charges, but they may make an argument that you took your time, you didn't contact them, you didn't do the things that you needed to do to get the car repaired. So be aware of those arguments and try to expedite the process as much as possible.


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