Car Repairs, Loss and Rentals

Who will pay for the damage to my car?

Usually, whoever caused the crash pays for the repairs. If your car is “totaled,” you get the fair market value of the car. Your car is “totaled” when the cost of repairs is greater than its fair market value.

What factors determine the fair market value of my car?

To determine fair market value, cars by the same manufacturer, year, body style, options and mileage are considered. Other factors may include the overall body condition in terms of dents, rust and chipping paint. Recent repairs and installation of additional options increase the value of the car. Examples include replacing a transmission, installing a security system, and purchasing new tires. Find your paperwork and present a copy to the property damage claims adjuster for consideration. When possible, fair market value is based on similar cars within your local area.

Great websites that help you determine the fair market value of your car include:

AutoTrader.com
NADA at: http://www.nada.com
Kelley Blue Book at: http://www.kbb.com
ebay Motors at: http://www.motors.ebay.com
Craigslist at: http://craigslist.org

My car is totaled. Do I have to pay anything to transfer the car title to the insurance company?

Once totaled, the fair market value is paid by the insurance company. In Ohio,the insurance company must also pay all applicable taxes, license fees, and any other fees that may come up to complete the process. If you are making a claim under your own insurance policy, you will have to pay the deductible.

Can I get a rental car?

You may be eligible for a rental car if your car is severely damaged. If your car is totaled, the amount of time you get to keep the rental becomes extremely limited. You are responsible for quickly finding a replacement or paying for the rental out of your own pocket.

The adjuster is giving me the “run around.” What can I do?

Call Michael D. Christensen Law Offices at (614) 275-3444 or call toll free at (866) 866-8058 for a free telephone consultation regarding your specific situation. In Ohio, you can also file a consumer complaint with the Ohio Department of Insurance by calling 1-800-686-1526 or go online at http://www.insurance.ohio.gov.

For more information about car damage and your rights, call:

Michael D. Christensen Law Offices
(614) 275-3444
toll free: (866) 866-8058
to speak with an experienced Ohio personal injury lawyer.