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Thank you for your question.
Please permit me to assist you with your concerns.
That is a good question. If you formally report the accident to your insurance company, it will appear on the Carfax especially if the damage was major.
Minor damage is generally not reported.
As for your losses, some insurance policies provide additional coverage based on loss of value stemming from the accident based on trade-in value.
You can request it as part of your demands
The insurance company has to replace all of the damaged parts, which includes vehicle damage and damage to your property inside the car that likewise sustained damage
if that includes your car-seat, then the insurer has to cover it.
Does that make sense?
That is correct, you can request depreciation value based on loss you'd suffer at resale
I cannot answer the second question with accuracy as I have seen fender benders listed but at times body damage missing. There is as yet no guidelines that I am aware of.
For value you can contact dealers or review places such as kelley bluebook or edmunds to estimate the value based on loss in value due to a reported damage to vehicle.
If reported, it can appear in the system within a week
My apologies but I really cannot provide you with direct legal advice. That would violate site rules. But I can make suggestions.
First suggestion...and the hardest. Take a breath
you are okay, you weren't injured, and that is the most important thing
everything else is annoying to deal with and an inconvenience, but not really that serious ovarall
If you were injured in any way it would be a different story
second, listen to what offer will be made to you
there is no need to contest it yet, simply listen
he will potentially need a list of all items damaged including the vehicle (and yourself)
so review if any other personal items were destroyed
all of that is part of the amount you can request
third, state that you will take the vehicle to your own mechanic for an estimate
in your situation you have the ability to pursue both parties for your losses, so if one does not cover it, the other will
and then when you have a basis for your losses, make a request to that company for your losses
makes it easier and harder at the same time. easier because no foreign enties are involved but harder as they would attempt to provide you with the lowest amount possible
in any case, ask if you have coverage or if any of them had coverage that would cover the loss in value
And that is really about it. If they agree, then you are free to go and repair your vehicle.
it's not your fault--you were an injured party
it shouldn't affect your insurance since it would be 'their' insurance covering the losses, something you can insist upon with their representative
Hope that helps!
You are most welcome, glad to help. Should you need me again, please request me by name.
Otherwise, if satisfied, please do not forget to positively rate my answers to you.
That paper is potentially actionable but insurance does not have to honor it.
They will still designate them as at fault because you were struck
Glad to hear it!
Same to you!
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