Handling Vehicle Damage After a Car Accident

While it’s important to tend to your injuries first, being in a car accident also means that your vehicle is damaged. The more severe the accident, the more damage. Here’s how you can handle vehicle damage after a car accident.

Getting a Rental Car

If your car is not driveable after the accident, you’ll likely need to get a rental car. Typically, the insurance company of the at-fault party pays for the rental car. However, you may obtain a rental car through your own policy if you paid extra for that coverage. A rental car should be provided for a reasonable period of time or until the insurance company offers you a settlement amount for your totaled car.

It’s important to keep all receipts and documentation related to your rental, as this may be necessary for reimbursement. Additionally, if you’re unsure whether your insurance includes rental coverage, review your policy or consult with a car accident attorney to better understand your rights.

Repairing Your Vehicle

If your vehicle is repairable, the insurance company paying the claim may select the mechanic to fix it. You can, however, obtain your own estimate from your own mechanic. If the amount is the same or lower, you will likely receive approval to have your vehicle repaired at your chosen shop.

Make sure to choose a certified auto body shop with a strong reputation and experience dealing with insurance claims. Quality repairs can impact the future resale value of your vehicle and your safety on the road.

If your vehicle is a newer model or has custom parts, you may want to insist on using original equipment manufacturer (OEM) parts rather than cheaper aftermarket options. Discuss this with your adjuster and mechanic in advance.

When Your Vehicle is “Totaled”

In some cases, your vehicle is considered “totaled” after an accident. This means the value of the undamaged vehicle is less than the cost to repair it. Typically, repairs are estimated and compared to the blue book value of the vehicle. If the repairs exceed the car’s worth, a check is issued from the insurance company in the amount of the blue book value of your car.

Keep in mind that the “total loss” value can differ slightly depending on the insurer and the state you’re in. If you believe the insurer undervalued your car, you have the right to challenge their decision. Provide comparable sales data or an independent appraisal to support your claim.

Also, remember to remove your license plates, cancel your registration, and clear all personal belongings from your totaled vehicle before surrendering it.

Disputing Insurance Decisions for Vehicle Damage After a Car Accident

If the insurance company handling the claim refuses a rental car or does not offer a reasonable settlement for a totaled car, legal options are available. It’s a good idea to contact a lawyer after a car accident. However, it becomes crucial when insurance companies drag their feet or make unreasonable offers.

Insurance companies may use delay tactics or offer lowball settlements in hopes that you’ll accept out of frustration or urgency. Don’t fall into that trap—speak with a qualified car accident lawyer to negotiate a fair resolution.

A skilled attorney can help you gather evidence, file an appeal, or even represent you in court if necessary. The goal is to ensure you receive the full compensation you’re entitled to—not just for your injuries but also for your damaged or totaled vehicle.

At Appalachian Injury Law, our team of experienced car accident lawyers will help you obtain compensation for your injuries. Also, they will guide you through the process of compensation for your property damage. Contact us today for a consultation at