How will my car get fixed?
If you’ve been in a car crash and you were not at fault, then the at-fault driver’s policy will pay for your car to be fixed. You will need to have an estimate for repairs completed. Usually, the at-fault driver’s insurance company will recommend a repair shop that it works with. But if you have your own repair shop that you use, you’ll need to send a repair estimate & invoice to the at-fault driver’s insurance company so that they can process and pay it. Sometimes it is not that easy, and you may need to have some back-and-forth with the insurer.
In Colorado, drivers must carry a $15,000 liability policy for property damage. If that is not enough to cover your damage, but that’s all the coverage the other driver has, then you will need to have Underinsured Motorist coverage for property damage.
If the other driver does not have insurance and you do not have UIM coverage for property damage, then you will only have insurance coverage if you have collision or comprehensive insurance coverage. In that case, you would make a claim with your own insurance carrier.
If you’ve been in a crash, call us at 303-209-9395. We can review your insurance options with you at no cost. Life Happens. We can help. For more frequently asked questions, click here.