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QuestionInsurance Question  I was involved in an accident which led to cosmetic damage to the hood of my car. I have comprehensive insurance that covers liability and collision. Am I eligible for repair costs from my insurance company. The accident was my fault.

AnswerAuto Insurance Answer

Since you are at-fault in the accident that damaged your vehicle, you will need to place an insurance claim with your own auto insurer so that your car may be repaired. To be able to place a claim you will need physical damage coverage, which with your "full coverage" it sounds as if you have both comprehensive and collision coverage. The liability coverage you have should cover the other person's vehicle that you caused damage to in the accident.

Collision coverage covers damage to your car when your car hits, or is hit by, another vehicle, or other object. This physical damage coverage pays to fix your vehicle less the deductible you choose when you started your insurance policy.

To place a claim for the cosmetic damage to your hood to be repaired, contact your insurance agent to see how a collision claim can be started. After this is done an insurance adjuster may want to view your car or may tell you what repair shop to take your vehicle to in order to get an estimate.

Our articles, Simple Steps to Filing Your Car Insurance Claim and How to Deal With Your Insurance Company Regarding Claims, may be of help to you in understanding how the claims process works.

 

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