Being involved in an accident with another vehicle is a frightening and frustrating experience. However, not all accidents involve a separate party. One-car accidents can lead to equal amounts of frustration and confusion regarding insurance and collision repair and are also quite common. In fact, as many as 38 percent of all vehicle collisions involve objects, not a second car. When you find yourself in the position of needing to file an insurance claim and seek collision repair for a single car accident, here is what you should know:
Does My Insurance Cover Single-Vehicle Accidents?
The short answer to this is yes, as long as your policy includes collision coverage. Some policies do not include such coverage, as Louisiana law only requires liability coverage at or above state mandated minimum limits.
The difference in these two types of coverage are important to understand. Liability coverage only applies to the cost of property damage, medical bills and other expenses that others may incur from an accident you caused. Collision coverage, on the other hand, pays for your own vehicle repairs or replacement regardless of who is at-fault or how many vehicles were involved.
While collision coverage may not be required by the state, it is important for all drivers to maintain. If you are unsure of the details of your own insurance policy, contact your agent to ensure you are fully covered in all potential situations.
Collision Repair for Single-Vehicle Accidents
After any collision, whether with another vehicle or a stationary object, an inspection by collision experts should be performed. Even if damage appears to minimal or merely cosmetic, it is important to ensure that the integrity of the car’s frame or underlying components has not been compromised.
Regardless of your insurance provider, as long as you have collision coverage, your vehicle can be repaired at any shop of your choosing. Body shops like Medines, will inspect your car to determine the extent of damage and guide you through the claims process to ensure that you receive the highest quality repairs under your policy.
Auto accidents and collision repair can be a headache, no matter the number of vehicles involved. At Medines, we work hard to minimize the frustration and confusion while also returning your vehicle in pristine, pre-accident condition. To learn more about our services or to request a free estimate, click below.