You just had a car accident, and your vehicle is in a repair shop. But your insurance claim isn’t settled yet, so who pays the bill? Many drivers face this frustrating situation and aren’t sure what to do next.

Car accidents are stressful, but dealing with vehicle repairs before your insurance claim is finalized adds another layer of uncertainty. Do you have to cover the costs upfront? Will the at-fault driver’s insurance step in immediately? What if there’s a delay in processing your claim?

The answers can depend on liability determination, insurance coverage, and the claims process. Learn your options for managing car repairs before your claim is settled and how skilled Huntsville car accident attorneys can assist with your case.

What Happens Immediately After an Accident?

Immediately after a crash, taking the proper steps can help you assess the damage and begin the repair process. Here’s what to do next:

  • Assess the damage. Walk around the car and check for visible issues, such as dents, broken lights, or leaking fluids. A tow may be necessary if the car isn’t safe to drive.
  • Get a repair estimate. A body shop can inspect the vehicle and provide a breakdown of repair costs, which you’ll need to file an insurance claim.
  • Determine liability. Fault affects who pays for repairs. If another driver or their employer, such as a trucking company, is responsible for the crash, their liability insurance should pay. However, if you’re at fault, you’ll need to use your collision coverage or pay out of pocket.
  • Decide on repairs. If the damage impacts safety or makes the car difficult to use, waiting for insurance may not be feasible. Some repairs may need to be done immediately to keep the vehicle roadworthy.

Even if you haven’t filed a claim yet, assessing the damage early can help prevent delays. Knowing who is responsible for the costs allows you to decide how to handle repairs.

Do You Have To Pay for Repairs Before Your Claim Is Settled?

Before an insurance claim is finalized, there are several ways to manage car repairs. The most common options include:

Paying for Repairs Out of Pocket

If you need to get back on the road quickly, paying for repairs out of pocket may be the fastest option. However, there’s a risk that your insurance company or the at-fault driver’s insurer won’t fully reimburse you.

To protect yourself, keep detailed records of repair costs, estimates, and receipts to include in your claim.

Using Your Own Insurance Policy

If you have collision coverage, your insurance can pay for repairs regardless of who was at fault. Here’s what to expect:

  • Depending on your policy, you will likely need to pay your deductible upfront, typically between $500 and $2,000.
  • Your insurer may attempt to recover costs from the at-fault driver’s insurance through a process known as subrogation.

If successful, you may be reimbursed for your deductible later.

Waiting for the At-Fault Driver’s Insurance to Pay

When the other driver is at fault, and their insurance accepts liability, they are responsible for covering the repairs. However, the process can take time, especially if there are disputes over fault or delays in claim processing.

Until approval comes through, your car may remain unrepaired unless you choose an alternative solution.

Rental Car Coverage

Having rental coverage in your insurance policy allows you to get a temporary car while yours is being repaired. The at-fault driver’s insurer may also cover rental costs, but this depends on their policy and the claim approval process.

Rental insurance is optional and not typically included in standard policies. Verify coverage with your insurer to understand if it’s an option after a collision.

Handling Repairs Efficiently and Fairly

To avoid paying unnecessary expenses after an accident:

  • Document all damage with photos and repair estimates.
  • Understand your insurance policy and what it covers.
  • Avoid hasty settlements that could affect your injury claim.
  • Consult an attorney before accepting any insurance offers.

At Tyler Mann Injury Law, our experienced legal team fights against unfair insurance tactics. Lead attorney Tyler Mann, a former insurance adjuster, uses his expertise to evaluate claims thoroughly and advocate for fair compensation.

Why Consulting a Huntsville Car Accident Attorney is Crucial

Insurance companies may push for a quick settlement, particularly if you need repair funds. However, settling too soon can limit your ability to recover full compensation if your accident results in serious injuries and costly medical bills.

These claims are usually handled separately, so accepting a property damage settlement shouldn’t impact your right to pursue compensation for medical expenses, lost wages, and pain and suffering.

A Tyler Mann Injury Law car accident attorney can protect your right to compensation by doing the following:

  • Advise whether to use your insurance or wait for the at-fault driver’s insurer.
  • Push back against insurers who try to undervalue your property damage claim.
  • Negotiate with insurance companies on your behalf.
  • Assist in recovering compensation for vehicle repairs and injuries.

Partnering with an experienced car accident attorney helps you win the full amount you deserve for both car repairs and the impact of your injuries.

Get Qualified Legal Counsel for Your Claim

Managing car repairs while waiting for an insurance claim can be stressful, especially when recovering from injuries. At Tyler Mann Injury Law, we understand the challenges accident victims face and make sure insurers don’t take advantage of delays.

Call today for a free consultation to explore your legal options.