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Property Damage in a Georgia Auto Accident

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In general, property damage is harm or injury to anything other than a person. This could consist of damage to the vehicle, home, or fence. Additionally, this could also include items inside a car, such as any technical components or valued items such as laptops or school textbooks.

When property damage occurs in an auto accident, it is often handled through insurance companies. A property damage claim is often resolved in a couple of weeks and moves faster than a personal injury claim.

Property Damage Coverage

A property damage claim in Georgia can actually be one of or a combination of these types of claims: collision repair claim, diminished value claim, and total loss claim.

In a collision repair claim, your vehicle was repaired. A diminished value claim means your car is worth less after the crash, enabling you to obtain compensation for the decrease in your car’s value. A total loss claim means your car was totaled to the point beyond repair, so the insurance company must compensate you the fair market value of your vehicle at the time of the accident.

Filing a Property Damage Claim

In order to file an insurance claim for property damage, you must first obtain a copy of the Georgia Motor Vehicle Accident Report from the investigating police officer who documented your accident. It should be available within a week of the collision at the respective police station.

If another party is liable (as shown on the accident report), then it is possible to report the claim to their insurance company. If you were at fault, report the claim to your insurance company. They should assign a claims adjuster within a day or two.

If you have been injured and/or sustained property damage in a car accident, contact our Savannah lawyer at Brooks Law Office today.

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