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If you wreck your car

If you’ve been in a collision, tell your insurance company for your own protection, even if injuries are not readily apparent. Informing the company doesn’t mean you’re filing a claim.

If you disagree with the value assigned to your totaled vehicle, provide quotes from local dealers and proof that your vehicle was well-maintained. (See"12 secrets your car insurer won’t tell you.") Still unsatisfied? Your options are mediation, arbitration and, finally, a lawsuit.
Twenty-eight states require insurance companies to pay the sales tax on a replacement vehicle, based on the settlementvalue of your totaled car. Request it, as well as registration and title fees, wherever you live.
In 14 states you can get payment for the "diminished value" of your damaged car.
If the driver at fault in a crash is uninsured, consider "stacking" or collecting on all of your policies thathave uninsured/underinsured motorist coverage to fully cover the damage, unless state law prohibits it.
Body shops may be tempted to cut corners to meet insurance companies’ pricing requirements. Check our local Better BusinessBureau for qualified repair shops. (See "7 things auto-body shops won’t tell you.")
If you cause an accident, does your policy require you to pay the difference between generic and original-equipmentmanufacturer parts? If someone else caused the accident, request original-equipment parts for your repairs.

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Addison Auto Repair & Body Shop
2005 South Holly Street • Denver, CO 80222 • 303-691-9484