What should you do if you total out your own CAR ?

What should you do if you total out your own CAR ?

My friend totaled out her 2004 INFINITY G35 last night by mistakenly hitting a side wall. Both airbags deployed, and the windshield cracked but she still managed to drive it home and go to the hospital from there. She called me a few moments ago and said it was totaled out and should she call her insurance company (SAFE AUTO) or if not what should she do. Anyone have any suggestions or as to what the insurance company will do for her ?

foxychic

If your friend has collision coverage on the car, this will provide coverage for the damage to her vehicle, but it will be subject to the collision deductible on the policy (example typically $500, but sometimes $250, $1,000, $2,000).If your friend has NO COLLISION COVERAGE on the car, then Safe Auto will not pay anything out on the actual damage to your friend's car.The only time the insurance company would not cover damages, if she has collision coverage on the car, is if the damage was intentional.As of the medical coverage... this depends on the state in which you live. If you live in a no fault state (like DC, FL, HI, KS, KY, Mass, MI, MN, NJ, NY, ND, PA, UT) medical coverage is REQUIRED on an auto policy and will always fall back to your own automobile policy (for any medical claims that are automobile related... even if you are a passenger in someone else's car and were in an accident- it would still fall back to the policy you are rated on for medical coverage to be paid).In other states, medical coverage on an auto policy might NOT be REQUIRED, and if this is the case and your friend does NOT have medical coverage on their auto policy, this is when the medical coverage would fall back to a regular health insuranbce policy.So pretty much... your friend should call Safe Auto and find out if she has collision coverage on the policy. Also she should ask if her medical will be covered on the policy. If either one is a yes, then she should file a claim with Safe Auto.Source(s):Licensed Resident Producer of Property & Casualty Allied Lines

Its

If she has collision insurance they will pay her what the car is worth. They will take the car and sell it to a junk dealer, but she has 'the right of of first refusal', meaning she has the right to buy the car back from them (very cheap). But they will pay for the car whether the accident was her fault or not. By law she -has- to file a report with them, and probably also with the DMV.If she has liability (which is required by law anyway) they will also pay her medical bills up to the limit of the policy (usually $15,000) but if she has medical insurance the car insurance becomes 'secondary', meaning they will only pay if the medical insurance refuses to pay.It doesn't really take much to total a car these days because repair is so expensive.I hope she's okay. You can replace a car but not an arm or a leg.

Bekki

Tha will depend on what coverage she is carrying with Safe Auto. If she carries collision coverage, then she definately needs to contact them. They will send an adjuster out to assess the damage. if it is indeed totaled, then they will pay her the actual cash value of the car, less her deductible. If she does not carry collision cover, then she is out of luck. She will have to pay to replace the vehicle on her own. Regardless, since she received injuries as a result of the accident, she needs to contact Safe Auto to report a claim.Edit - the above poster is incorrect about medical insurance being primary, and car insurance being secondary. That depends solely on the state you live in. Here in Indiana, your med-pay coverage is primary, with your health insurance picking up what isn't covered under the auto policy.

Uwish

Well if she has collision coverage then they would cover the damages. If it is totalled they will offer her the actual cash value of the car less her deductible amount.If its not totalled they will cover the cost of repairs and she pays her deductible.If she does NOT have collision coverage then her insurance will not be able to do anything fo her.I don't see what the issue is and why she wouldn't call her insurance company.Source(s):Claims 7 yrs

CJ

The insurance agency will tell her if it is totaled. Totalling out a car means that the cost to repair is over 80% of the value of the car, therefor not worth repairing. The insurance agency will, depending on the type of coverage, give her a check for the value of the vehicle. Then she can go and purchase another car.

smartypants909

Depending on the insurance company, most do not pay off a car if you wreck it yourself, but how can you avoid not telling them? Also, depending on the coverage, they may pay her medical bills. She should call them so she knows where she stands.

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