What if My Car Is Totaled?

Major accidents often have serious effects on the drivers involved. In the fortunate event that no one is seriously injured, car accidents may result in major property damage including the total loss of a vehicle or vehicles. In the event of a total-loss accident, drivers should follow several steps to resolve their issues and get back on the road.

It is important for all drivers to have adequate insurance coverage on all vehicles. There are many different types of policies out there and drivers would be wise to assess their personal needs and choose the coverage that fits them best. Collision, liability, comprehensive, and injury coverage often help cushion the blow that serious accidents can have on your financial responsibilities. If you are interested in purchasing affordable auto insurance in the Chicagoland area, contact the insurance professionals of Insure on the Spot at 773-202-5060.

Steps to Take After an Accident

 If your car has been seriously damaged in an auto accident, the following steps are recommended:

Contact your insurance company as soon as possible. Give them the details of the accident and provide any and all documentation you can.

Meet with your claims adjuster to find out what the car is worth. After serious accidents, your insurance company may decide the car is “totaled” and may issue you a check for what it is worth.

Decide your course of action. Do you want to spend the money to fix your car, or are you going to buy a new one? Some buyers choose to sell their seriously damaged cars at a significantly lower price or sell them for parts.

Contact Us

For more affordable car insurance in Chicago and the surrounding areas, contact the Chicago insurance professionals of Insure on the Spot at 773-202-5060.