As to the repairs, you will get an adjuster assigned to your case. They will assist you with the body shop or with other insurance companies in the repair. Your adjuster may suggest a garage for repair as the garage may offer guarantees on the repairs. The adjuster can also recommend and set up a car rental provided you have an insurance endorsement for rental vehicles. A partial loss occurs when your vehicle retains some value after an accident. You may suffer a greater financial loss and be eligible for additional compensation. if so, you might consider a “diminished value claim.” To make that type of a claim, you will need to check your state of residence for coverage. If you have a total loss, ask your adjuster about gap insurance. This type of insurance is added to your policy when you purchase your initial coverage. It will cover not only the cost of the vehicle but any outstanding bank loans.
As to personal injuries, there are three main areas that must be covered; actual bodily harm, pain and suffering, and emotional distress. Actual body harm focuses on all physical injuries. Compensation would cover all related medical bills, anticipated future medical bills, surgeries, home care, physical therapy and anything that will assist you in returning to your prior accident status. Pain and suffering deals with the emotional impact you experience after an accident. This includes both the physical pain as well as the mental suffering. Often a mental health professional is used to assist in this type of a claim. In pursuing this claim, you must document all activities you previously enjoyed. Emotional distress is the feelings you experience on a daily basis. Anger, depression, and hopelessness are just a few of the emotions you can experience after an accident. Professional help allows you to not only recover but to medically document this type of injury.