Your vehicle can be badly damaged after a car accident in Los Angeles. In this situation, your vehicle may be either repaired or “totaled” if the damage is too severe. Obviously, someone needs to determine if your car is repaired or replaced after an accident in Los Angeles, CA.
Generally, your insurance company will be responsible for deciding if your vehicle is totaled or not. You can review the formula used by insurance companies in California here with the Simmrin Law Group. You can also work to get compensation for vehicle damages by calling (310) 997-4688 to speak to our car accident lawyers in Los Angeles.
Insurance Agents Decide if Your Car Should be Repaired in California
Representatives for your insurance company will likely determine whether your car should be repaired or replaced after an accident. Insurance companies in California utilize an equation called the Total Loss Formula (TLF) when considering what to do with your vehicle. The TLF looks at:
- The cost to repair your vehicle
- The salvage value of your vehicle
- The actual cash value of your vehicle
Your vehicle will not be repaired if the costs to complete repairs and the salvage value exceed the actual cash value of your car.
Review the Definition of Actual Case Value of a Vehicle in Los Angeles
Many drivers in California are not sure about the definition of “actual cash value.” This term represents the value of your car directly before the accident. It is not the amount of money you paid for the vehicle when you first bought it. Your car may vary in value based upon it’s:
- Resale value
This means that an older model vehicle with a lot of miles could be considered totaled with only minor damage. The insurance company will not pay for repairs if they cost more than their estimated value for your vehicle.
You Can Get an Independent Damage Assessment After an Accident
Insurance adjusters can send you to an autobody repair shop after an accident, so the damage to your vehicle can be appraised. The state of California also grants you the right to request an independent inspection from a repair shop of your choice.
If you think the insurance company overestimated the costs of repairs to your vehicle, you may want to have someone else look your vehicle over. In some cases, this independent review may show that your vehicle should be repaired.
You can get help handling insurance agents after a motor vehicle collision in Los Angeles by reaching out to the team at the Simmrin Law Group. Contact us today by calling (310) 997-4688.
Compensation for Vehicle Damage After an Accident in Los Angeles
Your insurance company may be responsible for covering the repair work for your vehicle after a wreck in Los Angeles. The company can also provide you with funds to purchase a new vehicle if your car is totaled in a collision.
Note that your insurance company will not always handle the cost of repairs. If you were in an accident caused by another driver, for example, the driver could be liable to cover repair costs. In this situation, your expenses could be addressed by the driver’s insurance company.
Sometimes, insurance agents representing other drivers will try to deny you compensation. You can work with a car accident lawyer to increase your chances of getting maximum compensation for vehicle repair costs.
Additional Damages After a Car Accident in Los Angeles
Motor vehicle collisions in Los Angeles can damage your vehicle and cause you injuries. If you were hurt in a wreck, a car accident lawyer could be able to bring you compensation for your:
- Vehicle repair costs
- Medical expenses
- Lost wages at work
- Pain, suffering, and mental anguish
Insurance companies representing the responsible driver in a car accident may settle your claim, providing you with the funds you need to move forward with your life. Your lawyer can also take your case to court, to secure a verdict in your favor.
Find Out if Your Car Will be Repaired or Replaced After an Accident with a Lawyer
So, who determines if your car is repaired or replaced after an accident in Los Angeles, CA? Your insurance company generally handles this decision. You can get help ensuring you are treated fairly after an accident by contacting the Simmrin Law Group. Reach out to us for legal help starting with a FREE case evaluation.
Call (310) 997-4688 or fill out our online contact form to speak to a car accident lawyer in Los Angeles.