WHOSE INSURANCE PAYS FOR THE DAMAGE TO MY VEHICLE?

Option 1: The insurance company for the party at-fault should pay for the repairs. However, sometimes they will want to investigate the accident before agreeing to pay for the damage to your car. If it appears that they may take too long to investigate and you need your car repaired sooner then consider Option 2.

Option 2: If you have Collision Coverage, you can opt to have your own insurance repair your car, typically less a deductible. If you choose this option you will ultimately get your deductible back from the at fault party’s insurance.

RENTAL CAR COVERAGE

The at-fault driver’s insurance is required to provide a rental vehicle while your car is being repaired
and will pay for the towing and storage as long as the amount is reasonable. If your car is deemed a total loss, the at-fault insurance will have to pay for your car only until they have made you an offer for your total loss. If you have rental coverage through your own insurance you may opt to go through your own policy, should it be more timely and efficient to do so.

WHERE SHOULD I TAKE MY CAR TO BE REPAIRED?

You are welcome to take your car to the body shop of your choice. The Advocates work closely with a few body shops where we are able to ensure great service and work. There will be two people working hard to get you in a rental car and get your car fixed quickly.

(801) 326-0809