Your car has a monetary value, not just in dollars or the amount you paid. Much of your vehicle’s value lies in its utility, reliability, and the convenience it provides for daily life. In Texas, vehicle damage after an accident isn’t just about financial loss; it’s also about the potential disruption to your routine and transportation needs.
In busy Texas cities, your ability to run errands, earn income, or pick up your kids from school may revolve around your car. It’s natural to feel concerned when your vehicle sustains damage in an accident.
But what happens next? Who pays for the repairs? What if the other driver is uninsured? If someone else’s negligence caused the collision, you may be entitled to compensation for any damage your car sustained. This could include reimbursement for personal items, such as phones or laptops, damaged in the crash. Rental car expenses might also be covered while your car is repaired or replaced.
Confused about what happens to your car after an accident? A Texas car accident lawyer can help you file an insurance claim and determine the value of your property damage claim. Francis Injury Car & Truck Accident Lawyers can guide you through the process to seek maximum compensation for your losses.
What Is Property Damage?
Most auto insurance policies in Texas cover physical damage to your car as property damage. When filing a property damage claim, it may:
- Pay for car repair costs
- Cover the loss of use of your car while it’s being repaired
- Reimburse you for the car’s actual cash value if it’s totaled
Take photos and videos of your vehicle at the accident scene to strengthen your property damage claim. Documenting the damage provides evidence of broken glass, deployed airbags, and other visible damage. Don’t forget to collect insurance information from all parties involved in the accident.
If your car isn’t drivable, you must arrange for towing to a repair shop. The at-fault driver’s insurance company may cover towing fees, but be cautious of towing scams. The Texas Department of Insurance (TDI) warns drivers to verify the legitimacy of towing services.
What Happens to My Vehicle After an Auto Accident?
Is My Car Drivable?
If your car is still drivable, the police may ask you to drive it home or to a repair shop. Contact the at-fault driver’s insurance company to estimate repair costs. An insurance adjuster may inspect the damage or request that you bring the car to a specific location.
It’s important to get a second opinion from an independent repair shop. Some insurers may ask for multiple repair estimates before issuing payment. Having your trusted repair shop review the damage ensures accuracy.
Is My Car Not Drivable?
If your car is not drivable, law enforcement may require you to tow it from the accident scene. The at-fault party’s insurance should cover reasonable towing fees, but you may need to coordinate with your insurer. If you have roadside assistance or towing coverage in your auto insurance policy, this can also help with costs.
As previously mentioned, be wary of towing scams, where companies overcharge for services or recommend repair shops that inflate costs. Always verify credentials before agreeing to towing services. You may also want to confirm if your insurance policy covers rental car expenses while your car is being repaired.
How to Determine If My Car is Totaled in Texas
Texas law has specific regulations determining when a vehicle is considered a total loss. According to the Texas Transportation Code § 501.091(15), a car is deemed a "salvage motor vehicle" if it has sustained damage or is missing a significant part to the extent that the cost of repairs, excluding materials and labor for repainting and sales tax, exceeds the vehicle's actual cash value (ACV) immediately before the damage.
In simpler terms, if the cost to repair your vehicle equals or exceeds its pre-accident market value, your car may be classified as a total loss in Texas.
Your car doesn’t need to look destroyed to be totaled. Structural damage or costly repairs can sometimes lead to a total loss designation. If your vehicle is totaled and you still owe money on a loan, gap insurance may cover the difference between the car’s value and your remaining loan balance. Note that deductibles may apply when receiving compensation for a totaled car.
How Do Insurers Determine Your Car’s Value?
When evaluating your car’s monetary worth, insurance adjusters consider:
- Condition of the body and interior
- Mileage
- Tires and mechanical condition
- Modifications or upgrades
You’ll need receipts or proof of purchase for the added features to receive compensation for customizations. Always document any improvements you make to your car.
Get Maximum Property Damage Compensation
Having an attorney who understands what to do after a car crash can be overwhelming. Car insurance companies often try to minimize payouts, so working with a knowledgeable accident lawyer is essential. A car accident lawyer can file a claim on your behalf, negotiate with insurers, and ensure you receive fair compensation for your damaged vehicle. They will also help you review the police report and other critical documents to support your claim.
Before signing any agreements or accepting payments, consult an attorney. Once the insurance company is informed of your claim, they may assign adjusters to reduce or deny your compensation even if you have collision coverage. Francis Injury has an experienced team that will advocate for your rights and pursue the full value of your property damage claim.
Learn What Happens to Your Car After an Accident
Whether your car needs repairs or has been declared a total loss, Francis Injury can guide you through the process. From filing an insurance claim to negotiating with insurance companies, our attorneys will work to protect your interests. Contact us today for a free consultation and find out how we can help you get your car repaired or replaced. Call 817-329-9001 or speak to an attorney online. We’ll help guide you at every turn to ensure you receive the compensation you deserve.