The car totaled but not at fault? Here’s what to do – Forbes Advisor

When a vehicle is totaled and you are not at fault, you will need to follow the steps to file a claim and acquire the proper documentation in a timely manner to recover all of your accident-related losses. Here’s what to do.

File an insurance claim

After a car accident, your first step is to file an insurance claim. You should immediately report the accident to your own insurance company and then file a claim with the insurer of the driver at fault.

Have your car’s damage inspected at a car workshop

A full car damage assessment should be carried out by professional mechanics. You can tow your car to any auto shop, but you can simplify your insurance claim process by taking your car to a shop that’s already approved by the insurance adjuster handling your claim. The store will provide the adjuster with an estimate of the repairs, and the adjuster will then determine whether to total the car.

Gather your documents

Providing proof in documentation of all accident-related losses is essential to facilitate the processing of your claim. You will definitely need your car title because if your car is totaled, you may need to surrender it to the insurance company.

You’ll also want to keep track of related documents, including invoices or professional damage assessments. If you have financed your car and still owe money, you will need to review your car loan and find out the remaining balance. It’s also a good idea to do your own research on your car’s ACV to make sure the insurance adjuster’s estimate is accurate.

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