If you went to your insurance company after your car has been damaged in an accident and the insurance company declares that your car is at a total loss, what can you do after this verdict?In case you are suffering from too much pressure from the insurance company, you can hire a personal injury lawyer in Sudbury to be on the safe side.

Whose insurer will pay for the damage that happened to your car?

The first confusion which arises would be which insurer will be paying for the damages which have occurred to your car, yours, or the defendant party? There are various factors which depend on the verdict of this situation.

No-fault vs. Standard Liability insurance

No-fault insurance for a car means that your insurer will pay for the damages which occurred to your vehicle irrespective of the fact that who was at fault. However, there might be situations where vehicle damage claims are not related to no-fault rules in any way. Injury lawyer in Sudbury knows that in a standard liability insurance, the claim is to be paid off by the party who was negligent during the car accident. The insurer would be paying for the damages which occurred to your car only if any of the party was at fault.

Collision Coverage

Collision coverage is a small compensation offered to the victim party for repairing all of the damages which occurred during a car accident. Collision coverage is quite expensive. The insurance company pays off the claim irrespective of the fact that who was at fault.

So who pays?

If your vehicle was in a no-fault state, the insurance company of the defendant party should pay for your damages. Injury lawyer in Sudbury knows that if your vehicle was in a state of the non-no-fault state, then the only way you will be entitled to compensation for your damages, if you have collision coverage for your vehicle. 

How much will the insurer pay?

Based on the policy limit, you will be paid in accordance with the insurance company.

What if the insurer mentions that my car is in a total loss?

The insurer is to pay you with a cost equivalent to the fair market value of your car based on the day when the accident occurred. Eventually, your insurer can only pay such an amount for the damage of property, even if your car loan is more than the amount which is paid off by the insurance company. Additionally, your insurer has the legal right to take away your damaged car and sell it in the secondary market to obtain some amount of money from the same and recover from some of the losses.

What if I disagree with the insurer's claim?

Even if you disagree with the insurer's claim, all you can do is negotiate, try raising the value of the claim, and yet if the condition doesn't persist, file for a lawsuit with the help of your personal injury lawyer in Sudbury. For more information visit Our Website