What happens to a car after a car accident is towed away?
Imagine a situation where there’s been a car accident, and both vehicles have been towed. For the person who wasn’t at fault, what steps should they take regarding their vehicle at the towing company?
I’ve spoken with insurance agents, and they’ve informed me that the cars must stay at the towing company during the investigation. An adjuster will come to evaluate the damage before any further action is taken.
However, I’ve also seen discussions here suggesting that individuals need to retrieve their vehicles from the towing company to avoid accumulating storage fees. This raises a concern: does the person not at fault have to pay to get their car back? If so, how can they be sure they’ll receive reimbursement for the expenses?
Do insurance companies typically inform claimants early in the process about the limitations of coverage for storage fees and how long those fees apply?
After a car accident, if your vehicle is towed to a towing company, there are several steps you should take, especially if you are not at fault. Here’s a breakdown of the process:
Insurance Notification: Contact your insurance company as soon as possible, even if you believe the other party is at fault. They can guide you through the process and assist with any immediate concerns.
Document Everything: Keep records of the accident, including police reports, photos, and any correspondence with insurance companies. This documentation will be essential for your claim.
Towing Fees and Storage Fees: It’s true that towing companies often charge daily storage fees after a certain period. Depending on your location and the company, these fees can add up quickly. It’s important to clarify with your insurance agent about their policies on towing and storage fees. Some insurance companies will cover these costs, while others may have limitations or require you to pay upfront and seek reimbursement later.
Assessing Damage: You may need to wait for the insurance adjuster to assess your vehicle at the towing company. It generally is advisable to cooperate with the insurance process to ensure they can evaluate the damages accurately, but you should also inquire about how long this might take.
Getting Your Car Back: If the towing fees become prohibitive, you may need to retrieve your vehicle sooner rather than later to avoid excessive charges. If you do decide to do so before the insurance adjuster has assessed the car, keep all receipts, as you may be able to claim those costs back later.
Claims Process: Your insurance company should keep you informed about the status of your claim and any potential reimbursements. Ask them whether they cover storage fees entirely or up to a certain date, so you are clear on what to expect.
Follow Up: Regularly follow up with your insurance agent and the towing company. Make sure you know the timelines and any necessary paperwork that needs to be completed.
Legal Advice: If there are complexities in the case, such as disputes over fault or extensive damages, it might be worth consulting with a legal expert who specializes in auto accidents to ensure you have all your bases covered.
In summary, clear communication with your insurance company and diligent record-keeping are key to navigating the aftermath of a car accident and associated towing costs.