If you’re involved in an accident, the liable party’s insurance company should pay for your injuries and medical expenses—but what about the damage to your property? You may wonder if the insurance company will cover this and if you should handle the claim yourself or hire an attorney. Below are answers to some common questions you might have in this situation.

FAQ About Property Damage After an Accident

1. Will Insurance Cover All of My Damages?

If the accident wasn’t too severe, filing a claim for repairs should be relatively painless. However, negotiating for more extensive damage can be much more complex, especially if your car was destroyed in the accident. If your vehicle is totaled, insurers will usually offer their estimate of the replacement cost, which may be substantially lower than the actual value of your car. In these cases, getting a fair settlement typically requires the expertise of a skilled legal professional.

2. What if Liability Isn’t Clear?

Sometimes insurance companies decide that liability can’t be readily determined, or that you share some responsibility for the accident. If liability isn’t obvious, they may offer you just a percentage of your overall damages.

3. Do I Have to Take the First Offer?

Insurance companies are adept at making their offers seem final, but there is always room for negotiation. If you disagree with the insurance adjuster’s decision, feel free to explain why you think their settlement offer is unfair.

4. Should I Hire an Attorney?

Any time you’ve been in an accident, a skilled attorney can represent your interests and negotiate with the insurer on your behalf. Because they understand the techniques insurance companies use in negotiations, your lawyer will help protect your rights and maximize your award.

Since 2000, Williams, Hall & Latherow, LLP’s attorneys have represented accident victims throughout the Ashland, KY, area. If you’ve been in an accident, their legal team will ensure you get compensation for your medical expenses and your damaged property. To discuss your case with a respected law firm, visit their website now or call (606) 329-1919.