What happens if my vehicle is damaged in an accident?
If you have collision coverage, your insurance company will pay for the repair, replacement or actual cash value of your car at the time of the accident. Of course, you will be responsible for the deductible. If your car can be repaired, your insurer is responsible to pay for repairs to the damaged area only. If the repair cost is close to or more than the actual cash value of the car, the company may decide to write-off the vehicle instead of repairing it and pay you the cash value. When your car is being repaired, you may wish to get additional work completed which is not a direct result of the accident. This is permissible, but the extra repairs would be at your expense.