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Auto Accidents and Car Wrecks
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- Road Safety Gets Needed Attention, Injury Firm Makes Donation
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The insurance company wants to "total" my car after an accident. What does that mean?
A: When personal property is damaged, the person who damaged it usually must pay you the lesser of the cost of repairs (plus diminution of total value after repairs) or the fair market value of the property before the damage.
If it would cost more to repair the property than its fair market value just before the damage, this is known as "total damage" or "totaled."
So, instead of repairing the car (which they have no obligation to do) they will simply pay you what the car would have traded for the day prior to the damage.
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Ches Crosbie Barristers
169 Water Street
St. John's, NL
A1C 1B1
Phone: (709) 579-4000
Fax: (709) 579-9671
Toll Free: (888) 579-3262
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Video Library
Auto Accidents and Car Wrecks:
- Texting & Driving: Newfoundland Injury Lawyer Gives Insight
- Newfoundland & Labrador Accident Lawyer on Truck Accidents
- Newfoundland Auto Accident Lawyer on Uninsured Drivers
- Car Crash in St. John's Simulates Consequences of Drugs and Alcohol
- Why and When To Bring In the Experts
FAQs
Auto Accidents and Car Wrecks
Does it matter that I didn't see the doctor right after my car accident?
- Do I have to use my own health insurance for my auto accident injuries? I've been injury in a motor vehicle accident and my doctor has referred me for therapy. I have private health coverage through work and I have Accident Benefits Coverage on my auto policy. My auto insurer is telling me I have to use my own private health coverage to pay for therapy costs prior to accessing my Accident Benefits Coverage. Why?
- I was injured in a car accident and my insurance company is telling me I have to use my personal insurance (e.g. Desjardins, Blue Cross, Manulife) to pay for my massage therapy, physiotherapy and prescription drugs before I can use either the accident benefit coverage (Section B) on my automobile policy, or the insurance of the guy who hit me. Is this right?