Property Damage 101

Whether you got a scratch or wheels are knocked off, you will have to deal with a property damage claim in the event you are in a car wreck, motorcycle collision or bicycle crash. The property damage claim is separate from any claim you have for injuries, medical bills and lost wages. A property damage claim is typically the first claim started after you have been in a collision of any kind. When you are starting a property damage claim the insurance companies will try to gather information about your injuries. This may appear to be in your best interest to answer all the questions you are asked when you call into an insurance company. However, due to the wide range of injuries that can occur in a collision, you injuries may not appear immediately or may become worse with time. Generally, all calls to insurance companies are recorded and statements made about your injuries in the first call set the tone for your bodily injury claim and can be used later to deny or de-value your claim for injuries, medical bills, lost wages and pain and suffering. Therefore, be aware of the questions about your bodily injuries and be sure to stick to the questions about the property damage. Whose insurance covers my property damage? A claim for property damage can be processed through your own auto insurance policy, if you have purchased the proper insurance coverage, or can be processed through the at-fault party’s insurance policy. If you choose your auto insurance policy, a deductible may be applicable. The deductible is recoverable from the at-fault party’s insurance...