Property damage is often clients' first concern after an accident. Clear communication helps manage expectations while you focus on their injury claim.
Initial Communication
I know your vehicle damage is a major concern. Here's what you need to know: Property damage claims are typically handled separately from your injury claim, often through your own insurance or the at-fault party's insurer. I can guide you, but my primary focus will be maximizing your injury recovery.
Key Points to Explain
Separate Claims
Property damage and personal injury are handled as separate claims, often by different adjusters.
Timeline Differences
Property claims settle in weeks; injury claims take months to years.
Total Loss vs Repair
If repair costs exceed vehicle value, it's declared a total loss.
What to Document
Please gather and upload: 1) All photos of vehicle damage, 2) Repair estimates (get 2-3 if possible), 3) Any rental car receipts, 4) Proof of vehicle value (loan payoff, recent maintenance). This documentation helps both your property and injury claims.
Rental Car Guidance
You're generally entitled to a rental car while yours is being repaired or until you receive total loss payment. Keep all receipts. If the insurance company is slow, let me know.
When to Refer
Consider referring property damage questions to:
- Their own insurance agent for coverage questions
- A property damage attorney if complex issues arise
- Consumer protection agencies for bad faith concerns