What Happens If Insurance Totals Your Car in Indianapolis?
Here's a question that may surprise you: what happens if insurance totals your car
in Indianapolis? It's a question that has to be answered with caution. Not everyone is honest and the more you learn about auto insurance in Indianapolis, the more you will understand why.
When you have auto insurance in Indianapolis, the policy will cover any damages to your car. Damage to other vehicles is included in your coverage, as well as damage to your own car.
You can drive away with no worries of what the insurance company is going to do with your car.
But what happens if the car ends up being damaged? How much of your policy will be left over when you actually try to make your claim? If the damage to your car is minor and it can be repaired quickly, then the insurance company may offer you a quick fix.
For bigger or more serious damage, such as a major accident that has resulted in a big damage to your car, then you may be out of luck. They may allow you to keep the car if it doesn't need to be towed away, but the cost of that repair may be a lot higher than the value of your car.
You may think that the cost of repairing your car isn't a big deal. However, that kind of damage might be covered in the policy and the deductible that is already built into the cost of the coverage will be used up before you are even able to get your claim in. Plus, you will be liable for paying for the repairs if you are involved in an accident.
What happens if you are involved in an accident and your car isn't so lucky? In that case, you will still have to pay the deductible and you could end up paying thousands of dollars out of pocket.
So, before you take out an insurance policy, make sure that it covers just what you need.
Even if you are not at fault in an accident, you can still find that your car is damaged beyond repair.
If your car is a rental car, it will probably be replaced by the rental company, which will be paying for the damage to your car. This will save you from having to shell out money out of your own pocket
, as long as you get a new car and have it towed to your destination.Insurance companies also want to make sure that you are insured for a good amount of money.
They may offer you a policy that costs only a little more than your auto insurance in town. However, if you have a bit more coverage, you will be safer on the road.
Be aware that if you want to do some repairs to your car yourself, you may be able to get into trouble with the insurance company. Also, if you have your own mechanic, you may be surprised to learn that they may not be allowed to handle the repairs themselves.
They may tell you that they cannot take care of it themselves and you may have to ask them to bring the parts in. You can't have your car fixed without the insurance company's permission, so be careful what you ask for.
As you can see, there are many things that can go wrong with your car and the insurance company is out there to protect their investment. Don't worry too much about getting into trouble with the company, but if you do get into a situation where you don't feel that you can make your repairs and you have to use the services of a mechanic, you might not want to play around with the insurance companies.