After an accident, you may need to repair your car before it can be driveable again. You might have heard that the insurance company will give you a rental car while you get your car repaired, but did you know how long they can keep this up? What if it takes longer than expected to get your car fixed and no one can tell you when they'll be done? The following article aims to answer the question "how long do I have to repair my car after an accident" and how compensation for these repairs work during a car insurance claim.
An auto repair shop typically has a timeline of about 24-30 days just in case something goes wrong with their estimate or other unforeseen circumstances come up (such as more damage found). If the estimated time period exceeds 30 days, the repair shop will advise the client, and their insurance company if they were not contacted when things changed. As a baseline, this is how long it will take to get your car fixed after an accident.
It takes about three to four weeks for most car repairs from an accident.
The estimate time frame may change depending on how severe the damage was and what parts are needed for repair, but it usually falls between one to two months. A collision will more than likely take longer because of a need to request OEM or original manufacturer's parts in order to complete the job.
If you're not sure how long your car is going to be out of commission after an crash, contact a car accident lawyer. They will walk through all of your options with you - including how to get transportation during this period when necessary!
If your insurance company determines that the repairs will take longer than 30 days, they'll provide you with an estimate for remanufactured parts to use while your getting your car repaired. This way, there's no change in quality or workmanship when it comes time to return your car, and you can preserve the value of your car.
Your loaner auto can be a different make and model from what you own so long as it meets minimum safety requirements set by your state law (e.g., seatbelts). The cost difference between using a rental car and leasing one through the dealer may outweigh any benefits of owning another type of replacement vehicle without confirming with the provider first.
Your car insurance provider has a range of 30-45 days to get your car repaired following an accident. If the auto repair is going to take longer than that, they'll provide you with compensation for how much it would cost to rent or lease another car until yours is back on the road. Your auto insurance should come with loaner coverage as well so there's no change in quality when returning your car, but this will depend on your insurance policy. You can't use just any rental but must get one from their list approved by your car insurance provider which will likely be at a higher price point than purchasing through the dealer.
If it takes too long to get your car fixed, your insurance company may come out of pocket to find a different body shop to fix your car, but this again will heavily depend on the type of collision coverage you carry and the damage to your car.
Your chance of getting a loaner car directly depends on the type of coverage you have and your claims adjuster. If it is through your own car insurance and they provide this service, there should be no problem with receiving one for free as long as it has to do with an accident not an illness or injury sustained by someone else in the vehicle.
You'll need to contact them first if their policy doesn't include these terms though because they may end up charging you more for damages incurred from rental cars while yours is being repaired such that additional fees will apply even after your insurance payout.
When filling out your insurance claim you should consult with a car accident lawyer as they can navigate this topic and better understand what insurance coverage you have available, and if your collision coverage will cover the cost of a rental.
If you are not satisfied with the length of time it will take for repairs, then contact your insurance company. They may be able to provide an extension on how long they'll have to repair your car and might even offer a rental vehicle as well if needed. If that is still not satisfactory, there's no harm in consulting with other providers so you can find one who meets your needs better than theirs does.
If the insurance company can not offer a satisfactory resolution, then you can also consult with attorneys in your area who understand the nuances of your car insurance policy.
It depends on your situation. If you have a lot of money saved up, then paying out of pocket might be the way to go for you because it can save you some time and hassle in the long run by not having to deal with insurance company negotiations, filing a claim with your car insurance provider, or legal proceedings.
If that is not an option for you, then you should file a claim following the guidelines set forth will make sure everything goes smoothly without complications arising from either side.
The benefits of paying out of pocket are that you can control how the money is spent and when it's done. This route also helps to cut down on any potential legal proceedings or disputes with insurance companies in the future if anything goes wrong during repairs.
In order to file a claim with your car insurance, you'll need the following:
Car accident report or police report of the incident. These will help your insurance provider know exactly what happened and how severe the damage is. Without this information it may be difficult for them to create an accurate settlement offer.
Proof of ownership if not in your name (registration document). This helps establish that you are legally responsible for damages on behalf of someone else's car when filing a claim with their insurance company. You also need proof of ownership when trying to get compensation from any other party involved such as another driver who caused the crash or individuals whose property was damaged by debris from your car during impact. The more documentation that can prove these points, the easier it will be to make a claim.
A delay in getting your car repaired may happen for a number of reasons. The most common is when you and the insurance company are negotiating how much money to pay for damages, which causes them to refuse some or all of the repairs.
There can also be other delays like waiting for parts that were ordered from outside sources, while there's an outstanding warranty on the car requiring it not be damaged before replacement takes place. Auto insurance companies have guidelines about what they will cover and this varies by state as well as whether or not you carry uninsured motorist coverage (UM) or underinsured motorists protection (UIM). These policies provide additional compensation if one driver isn’t able to fully compensate another person who was injured in an accident with their auto insurance plan after an accident.
This situation is where uninsured motorist coverage comes into play. While some people don’t carry UM or UIM, it's essential to check your auto policy and find out if you have this level of protection. If not, speak with a representative from the insurance company about purchasing these additions for your plan. These limits cover injuries that are caused by someone who doesn't have their own insurance in place on their car; they're also available when another person has liability but can only pay up to an amount like $25,000 as opposed other options such as personal injury protection (PIP) which will give one individual unlimited compensation until they reach their limit of between $50k-$100k depending on what type of PIP you carry.