What to Do if You Have a House Damaged by Car Accident
No one wants to be involved in an accident. They can be traumatic and stressful. However, they are even worse when you have a house damaged by car accident. This guide gives you helpful advice about what you should do when you have a house damaged by car accident.
Consult With Professionals
When you find that you have a house damaged by car accident, you should contact professionals to discuss what steps you should take. It’s not a surprise that you wouldn’t know what to do when a car crashes into your house as a result of an accident. You should contact your insurance companies as well as talk to a restoration contractor that can handle these types of emergencies.
You want to talk to industry-certified technicians that know how to repair all kinds of property damage after a car accident. There are some general restoration steps that must be followed. First, you will need a fast and immediate response to board up the area where the car hit your house. You will need to have an on-site assessment and action plan. There will need to be a cleanup of the damage to your property. It also needs to be prepped for the repairs. The house must be rebuilt and restored to the condition it was before the accident. They can also provide expert assistance to navigate insurance claims.
In addition to restoration professionals, you also need to contact multiple insurance companies. The insurances you should consider are homeowners insurance and car insurance. When it comes to a car accident, regardless of what’s damaged, the driver that caused the accident is responsible for the damage. It doesn’t matter if the driver hit your car, your mailbox, or your house; they are still responsible for the damage. This is where their auto insurance policy comes into play. Just about every state has a minimum amount of property damage liability coverage that comes with an auto policy. This means that the auto insurance should cover property damage up to a limit.
Homeowner’s insurance can pick up where the car insurance stops. Therefore, it covers the additional cost of the damages. In addition, a standard home insurance policy often includes vehicles among the items that may cause damage to your home. If you find yourself in this situation, it’s critical to verify with your insurance professional to understand exactly what your insurance policy covers.
Another professional service that you might need is a diesel repair shop, depending on the type of damage that occurs. If a diesel truck is involved, most likely, you will need some type of repair.
Check Your Own Vehicle for Damage
Sometimes, it’s not only your house damaged by car accident, but also your car can be damaged. This could mean that your car also needs damage restoration. When your vehicle is damaged in a car accident, you want to know how to get it repaired or replaced quickly. You also want to know who is going to pay for the repairs. You already know who is at fault for the accident, but you need to assess the cost of the damage compared to the value of the car. If the car is worth less than the cost of the repairs, then you’ll be reimbursed for the value of the vehicle. You will be able to get a new vehicle, but you may have to pay for some of it out of your pocket.
On the other hand, if the damage to the car is less than the cost of the vehicle, then it could need car part repairs. Then it could be good as new. Your next step is to select a body shop for your car. In many states, an insurance company cannot legally tell you where you must take your car. However, they can provide a list of preferred auto body shops. If you are still making payments on the vehicle, the lender may require you to go to a specific body shop.
If you don’t have a specific auto body shop in mind, there are a few items to consider when making a choice. You want to select a mechanic that has ASE certification. When you can find a shop that is tied to AAA, you can trust they are reliable and trustworthy. AAA doesn’t align itself with just any company. You may want to select an auto body shop that has specific knowledge and experience with your car brand. This is an ideal way not to void a warranty. You also want to ensure that the auto body shop provides a warranty for their repairs. This is the best way to protect yourself in case there are still problems with your car after the repairs.
Have the Wrecked Car Towed
When you have a house damaged by car accident, you want them towed off your property as soon as possible. You don’t want to attempt to tow the vehicle on your own. This is not a time for you to do it yourself. If you haven’t already, you should call the police. The police may need to issue a ticket to the driver of the car that came through your house. In addition, when the police contact a 24 hour towing company, you have a little more protection. If the car is damaged during the towing process, the driver is less likely to come after you for the cost of the damages.
Once the towing company is called, they are more than happy to take the car from your property. The owner of the car is charged for the towing costs. You should be aware that you might also be charged by the towing company. When you are considering which towing company to contact, you want to find a reputable and trustworthy company. You may be able to find truck rentals through the towing company if you are interested in that kind of service.
Identify What Could Have Gone Wrong
When you have a house damaged by car accident, in some cases, the accident was caused because there is a problem with the car. You want to find out what went wrong with the vehicle to cause the accident. Most vehicles, especially newer ones, have a diagnostic system that alerts you when something is wrong. You don’t have to rely on your senses to let you know there’s a problem. The computer does it for you. However, you have to pay attention to it. Many people choose to ignore the alerts and messages their car gives them. If you ignore the messages, that could be the cause of a catastrophic failure leading to you crashing your car into a house.
When the check engine or low coolant lights come on, make it a priority and don’t ignore them. You could get a warning that you have low oil pressure, or something is wrong with the temperature of your coolant. You might also see a charging system warning or your check engine light flashing. This could be an indication that you need transmission repairs. In addition to causing an accident, if you ignore these signs, the problem could get worse, and you end up with expensive repair bills.
These are the only signs you must pay attention to. If you hear that your brakes are squeaking or grinding when you apply the brakes, you should have them looked at right away. Your brakes are critical because they are what stops the car from moving. They wear out quickly, much faster than anything else on your car. When you hear noises every time you press the brake pedal, it’s a sign that something is wrong. When you have a grinding noise, it means that the brakes have worn down and rubbing against the rotors. If you don’t handle this concern, you could lose the ability to brake. Any accident that occurs because you didn’t maintain your brakes makes you responsible for the accident.
Get Legal Representation
If you have a house damaged by car accident, you probably want to contact a personal injury law firm to help you. This is an unusual situation, and you may need legal advice. You can find an attorney that charges a contingency fee instead of an hourly rate. A contingency means that the attorney doesn’t get paid until you win your case and receive a cash award. You want to have an initial consultation with an attorney. You will be able to discuss your claim against the car’s driver who crashed into your house. You may even need to file a claim against your own home insurance policy company.
When you enlist the services of an accident attorney, they can help ensure that you have every resource you need to get all that you deserve as a result of the accident. An attorney negotiates with the insurance adjusters on your behalf. They ensure that you receive a fair settlement to help you pay for home repair costs. It would be best if you kept in mind that insurance companies care about profits, so they offer the lowest amount they can get away with offering. An attorney can respond with counter offers as well as argue against anything the insurance company may say about your damages.
When the driver of the car is charged and must appear in court, they may be required to post bail. This allows an individual to be released from jail and live in their own house until their trial. If they can’t post bail, they have to stay in jail until the trial is over. Once the trial is over, the bail money is returned. However, if they don’t appear in court, they forfeit the bail money. Bail bond service is offered by a bail bond agency. This service provides bail money for a fee to someone who doesn’t have the money. Most of the time, a bank is not going to lend someone money for bail. This is a risk that bail bond agencies are willing to take. Banks, however, are not. Once bail has been set, the family of the accused works with a bail bonds person to pay the bail and get you released.
Touch-Up the Damages
When you have a house damaged by car accident, you find that you require the help of a lot of services. There are so many areas impacted by this type of accident. You may want to fire car accident lawyers who are experienced in handling car accidents. When a house damaged by car accident leads you to require these services, you want to call the right people. As a result of the accident, you may find that you need auto detailing services.
Car detailing helps restore a vehicle to almost original condition. The car is buffed and polished to remove imperfections. A car detail offers far more than a typical car wash. During car detailing, your car is washed by hand, not an automated system. Car detailing consists of exterior and interior detailing components. The exterior car is renovated and improved. An expert car detailer reduces surface scratches by applying a high-quality shielding paint sealant. They also use industrial cleaning products, including wax, polishes, degreasers, and detergents.
During a detailing, there is a process called claying that’s used. A clay bar is used to remove impurities, marks of overspray, and other residue that can’t be removed with usual detergents. Even if your car hasn’t been in an accident, you will find that it loses its shine after a while. Polishing is a process that restores the original car polish. Then a sealant is applied to give the car a glossy shine. In some cases, wax is also used.
When you have a house damaged by car accident, it can be devastating. This guide gives you insight into which professional services can assist you during this time. These professionals help you navigate all the steps that come after having a car crash into your home.