Repairing or Replacing Your Vehicle After an Accident in Texas
When you’re involved in a car accident, one of the first concerns that comes to mind is what happens to your vehicle. Should you repair it, or is it a total loss? Understanding your rights, the insurance claims process and your options can make a significant difference in ensuring you get back on the road without unnecessary financial burdens. At The Hadi Law Firm, we help accident victims navigate these complexities and fight for the compensation they deserve.
Texas Auto Accident Laws: What You Need to Know
Texas follows an “at-fault” system when it comes to car accidents. This means that the driver responsible for causing the accident is also responsible for covering the damages. If another driver caused the accident, their insurance should pay for your repairs or replacement. However, dealing with insurance companies is rarely straightforward, which is why having experienced legal representation is crucial.
Is Your Car Repairable or a Total Loss?
After an accident, insurance adjusters will assess the damage to determine if your car can be repaired or if it is considered a “total loss.”
- Repairable Vehicles: If the cost of repairs is lower than the car’s actual cash value (ACV), the insurance company will approve repairs.
- Total Loss: If the repair costs exceed a certain percentage of the ACV—typically around 75% in Texas—the insurer may declare it a total loss.
If your car is deemed a total loss, the insurance company should compensate you for its fair market value. However, insurers often undervalue vehicles, so it’s essential to verify their offer against market data or consult an attorney.
Insurance Company Tactics to Watch Out For
Insurance adjusters may attempt to minimize your payout by:
- Offering a low settlement that does not reflect your vehicle’s true value.
- Delaying the claims process to pressure you into accepting a lesser amount.
- Denying coverage based on technicalities or claiming pre-existing damage.
At The Hadi Law Firm, we aggressively advocate for your rights, ensuring insurance companies honor their obligations and provide a fair settlement.
Steps to Take After an Accident in Texas
To protect your claim and ensure you receive proper compensation:
- Document the Damage: Take photos and videos of the accident scene and vehicle damage.
- Get a Repair Estimate: Obtain an estimate from a trusted mechanic or body shop.
- Understand Your Policy: Review your insurance coverage, including collision and comprehensive policies.
- Consult a Lawyer: If the insurance company is not offering a fair settlement, legal action may be necessary.
Why Choose The Hadi Law Firm?
At The Hadi Law Firm, we specialize in fighting for accident victims to recover maximum compensation. Whether you need help negotiating a fair repair settlement, disputing a total loss valuation, or dealing with an uncooperative insurance company, our experienced legal team is here to protect your rights.
Contact Us Today
If you or a loved one has been involved in an accident and need assistance navigating vehicle repairs or replacement, don’t hesitate to reach out. Call The Hadi Law Firm today for a free consultation and let us help you get the compensation you deserve.
