When Property Damage Estimates Don’t Match

Emotions can run high following a traffic incident, especially when property damage expenses lead to large repair estimates. Whether you were driving through Bucks County or commuting across the bridge into New Jersey when damage was sustained, talk to a Bucks County personal injury attorney about what type of property damage expenses you have incurred and how to handle conflicting assessments.

Common Property Damage Expenses

Property damage isn’t limited to just the cost of fixing a vehicle. While car repair is often a large cost that is top of mind, other property losses are possible.

• Total loss. Beyond fixes like dents and scratches, a car may have a whole slew of repairs that would cost more to repair than the value of the vehicle. If the car is deemed totaled, you’re entitled to the fair market value of your vehicle before the crash.
• Rental car costs. If your car is undrivable, insurance often covers a rental vehicle while yours is in the shop, or until a total loss payment is issued.
• Personal property. Items like phones, laptops, car seats, or work equipment damaged in the accident may be covered.
• Towing and storage fees. If your vehicle is towed from the scene, you may face fees for transport and daily storage, costs that can add up quickly.
• Diminished value. Even after repairs, your car’s resale value may decrease. Depending on the state, you may be entitled to compensation for this loss.

It’s not uncommon to receive conflicting repair estimates from different body shops or insurers. One party might lowball the repairs, while another quotes the full extent of needed work. One way to handle this is to get multiple estimates. Then, instead of relying solely on the insurer’s assessment, a second or third opinion from a trusted repair shop can be powerful evidence.

Save receipts, photographs of the damage, and notes from your conversations with adjusters or mechanics, too. With this evidence in place, talk to an attorney about how insurance companies may calculate payouts based on depreciation. Review how they determined your vehicle’s value, and don’t hesitate to contest unfair calculations. If you’re receiving conflicting information or feel pressure to accept an inadequate amount, an attorney can advocate on your behalf to ensure you’re not left absorbing expenses that should be covered.

Take Proactive Steps Early On

To receive a complete settlement, report the accident promptly. In both PA and NJ, timely reporting helps preserve your claim and avoids unnecessary denials. And in both states, you have the right to choose your repair shop, even if the insurance company suggests another.

Accidents are stressful enough, don’t let unclear damage estimates or insurance confusion make things worse. A knowledgeable Bucks County personal injury attorney can ensure you receive the compensation you need. If property damage overlaps with injury claims, a seasoned lawyer familiar with local laws can protect your financial interests.

Could your repair estimate be too low to fully compensate you for your losses? Legal professions are available to guide you toward a fair settlement. Contact the legal team at Kevin L. Hand, P.C. Call 215-515-2604.