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Auto Insurance Claims/Total Loss Entitled to Reimbursment for Repairs Previously Made?
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Question
I was 3rd in a 4 car pile up in MA. My car will likely be totalled. Can I recover any of the money spent on recent repairs? Also, would the driver behind me not be responsible for part of my front end damage? (I did collide w/ the car in front of me first but was pushed again into the same car by the driver behind me.). Thanks in advance.
Hi Tiffany,
You should file this claim with your own insurance company. Since there are multiple cars and multiple impacts, it may take several weeks to several months before all the insurance companies decide on who is liable for what. They will need to take statements from all of the drivers. There are apt to be conflicts in those statements. If you have collision coverage, file on your own policy then your insurance company will be reimbursed when the dust settles. If you do not have collison coverage, you should prepare for a long wait before all of the decisions are made.
I hope this helps
Richard Hixenbaugh
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| Rating(1-10) | Knowledgeability = 8 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Partial answer given althought quickly & politely. Repair reimbursment question not fully answered. Response was appreciated all the same. | ||
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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