Getting into a car accident is stressful enough without the added complexity of dealing with the aftermath. One of the most confusing situations can be when your car is totaled but still drivable. At first glance, this may sound like a contradiction – how can a car be totaled if it still works? But this is a more common occurrence than you might think, and understanding the process can help you make the right decisions moving forward.
In this blog, we will break down what happens when your car is considered totaled but still drivable, what your options are, and how a car accident injury lawyer in Athens can assist you during this challenging time. Let’s explore this situation step by step to ensure you understand your rights and responsibilities.
What Does “Totaled” Mean?
When your car is deemed “totaled,” it means that the cost to repair the vehicle exceeds its value. Insurance companies use a formula based on the car’s pre-accident value (the fair market value) and the cost of repairs. If the cost of repairs is close to or exceeds the car’s value, they may declare the car a total loss, even if it’s still drivable.
For example, if your car is worth $6,000 and the repairs to fix the damage are $5,000, the car may be considered totaled. But if the car can still run safely, you might wonder why it’s being written off. The decision is based on safety, financial considerations, and the possibility of further damage that may not be immediately visible.
What Are Your Options When Your Car Is Totaled but Still Drivable?
If you find yourself in this situation, it’s essential to understand your options. Here are some of the paths you can take after your car is totaled but still drivable.
1. Accept the Settlement from Your Insurance Company
Once your insurance company deems the car a total loss, they will typically offer you a settlement based on the car’s value before the accident. If your car is still drivable, you may want to consider accepting this settlement and using the money to purchase a new car. Keep in mind that the amount you receive may not fully cover the replacement cost of your vehicle, depending on your coverage.
2. Negotiate the Settlement
If you feel the offer from the insurance company doesn’t adequately reflect the value of your car, you have the right to negotiate. A car accident injury attorney can help you navigate this process and ensure you receive a fair settlement. They may even be able to help you contest the valuation of your vehicle, especially if you believe the insurance company undervalued it.
3. Keep the Car and Repair It Yourself
If you still need a car and don’t mind driving a vehicle with some damage, you may be able to keep the car and repair it on your own. However, if you go this route, your insurance company may reduce your payout to reflect the value of the car with the damage, and you will likely need to pay for repairs out-of-pocket.
4. Consider the Safety Implications
Even if the car is drivable, it’s crucial to consider the long-term safety implications. If the car was totaled because of significant structural damage, it might be unsafe to drive in the future, especially in the event of another accident. A best car accident attorney can help you understand whether it’s worth keeping a vehicle that might not be safe for long-term use.
How a Car Accident Injury Lawyer Can Help
Dealing with the aftermath of a car accident, especially when your vehicle is drivable but totaled, can be overwhelming. Having a car accident injury lawyer by your side can make the process easier and ensure that your rights are protected.
A car accident injury attorney can help you navigate the complex insurance claims process, ensuring you receive the compensation you deserve for your totaled car. They can also assist you in negotiating with the insurance company to ensure they don’t undervalue your vehicle. If you were injured in the accident, a car crash lawyer can also help you pursue compensation for medical bills, pain and suffering, and lost wages.
If you live in Athens, Texas, or the surrounding areas, an Athens car accident attorney can provide valuable insights into local insurance laws and help you make informed decisions.
What If You’ve Been Injured in a Car Accident?
In addition to dealing with your totaled vehicle, if you’ve suffered injuries in the car accident, it’s important to consult with a car accident injury attorney as soon as possible. A skilled lawyer for car accident cases can help you understand your rights and seek compensation for medical bills, lost wages, pain, and suffering, among other damages.
If you need legal advice, don’t hesitate to contact a car accident attorney in Athens, TX. They will guide you through the process, ensuring that you’re well-represented during your claim. Remember, your well-being is paramount, and an attorney will fight to ensure you get the compensation you deserve.
Why Contact a Car Accident Injury Lawyer?
You might be wondering why you need a car accident injury attorney if your car is still drivable. Here are a few reasons why having an attorney is beneficial:
- Understanding Your Rights: The legal process after an accident can be complex. A car accident lawyer can explain your rights and help you make informed decisions.
- Negotiating a Fair Settlement: Insurance companies might offer settlements that are lower than what you deserve. A car accident injury attorney can negotiate on your behalf to ensure you get a fair settlement.
- Legal Expertise: Navigating the insurance claims process and dealing with the aftermath of an accident can be overwhelming. An experienced lawyer can handle all the legal aspects of your case.
If you’ve experienced a car accident, regardless of whether your car is drivable or totaled, it’s important to have a car accident attorney on your side.
The Bottom Line
When your car is totaled but still drivable, it can be confusing, and you may feel uncertain about your options. Whether you choose to accept the insurance settlement, negotiate for a higher payout, or keep the car and repair it yourself, it’s essential to understand your rights. Consulting with a car accident injury lawyer can help guide you through the process and ensure that you make the best decision for your situation.If you need assistance, don’t hesitate to reach out to a car accident lawyer in Athens to get the professional support you need. Contact Mandy Rodriguez Law to learn more about how we can help you and call (903) 675-2900 to schedule a free consultation and take the next step toward fair compensation