Resolving if your car is worth repairing or is a total loss after an accident can be stressful.
In the aftermath of a car accident, the first step you should take is to report the accident to your insurance carrier. After this, the insurer will typically send out an appraiser to view your car. Depending on the severity of the damage, you may be asked to submit an estimate for the necessary vehicle repairs.
The appraiser will look at the age of the vehicle, the amount of miles, the severity of the damage, and the estimated repair costs, along with the value of your car to determine if your car is deemed a total loss or is worth the repairs. To estimate the total value of the vehicle, the appraiser should note if your car has any special features which would increase the value of the vehicle, which can include leather seats, a new transmission, or a sunroof.
If it is a total loss, then it means that the repairs to your vehicle will exceed the current value of the vehicle. The appraiser will contact you and explain why it was deemed a total loss, and you can ask any questions that you may have at this point. You can always review the estimate and appraisal that was completed on your vehicle.
Keep in mind that a vehicle repair or a total loss is always determined by the collision as well as the comprehensive deductible of that person’s policy.
While this process can be difficult to get through, a good insurance company will make it as easy and as smooth as possible. For quality comprehensive car insurance, contact Weeks & Associates Insurance Services located in Thousand Oaks, California! Our auto insurance will protect you from unexpected occurrences and keep your car on the road!