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Property Damage Claims Insurance Law

Commonly, our auto accident clients need help in handling their property damage claims. There are several different types of property damage coverage and claims.

Property Damage Coverage

The State of Missouri requires drivers to carry property damage coverage on their automobiles as a part of liability coverage. When your car is damaged in a collision because someone else made a poor decision, you would file a claim for property damage against their insurance.

If you have this coverage under your own policy as part of your Liability Coverage, it does not compensate you for your own property damage if you either cause the accident or are hit by an uninsured motorist.

Comprehensive Coverage

“Comprehensive Coverage” is usually intended to pay for damage to your automobile from perils such as fire, theft, explosion, hail, wind, glass breakage, and animals. The specific perils covered are listed – or excluded -  in each individual policy. This type of coverage is optional in the State of Missouri. Comprehensive Coverage generally includes a deductible and is a claim made against your own insurance company. Many people who lost their automobiles in the May 22, 2011, tornado were not compensated for their vehicle damage because they did not purchase this kind of coverage.

Collision Coverage

Collision coverage will cover damage to your vehicle if you are in a car collision, regardless of who is responsible for causing the collision. This type of coverage generally includes a deductible and is a claim made against your own insurance company. If you either cause a collision or are involved in a collision with an uninsured motorist, this coverage will pay for damage to your vehicle, depending on the specific terms in your insurance contract. This coverage is also optional in the State of Missouri.

We routinely counsel and guide our clients through the process of making property damage claims. Because property damage claims are handled very differently than bodily injury claims, it is important to have someone on your side who can make sure you get paid for the full value of your claim. We know what to look for and will make sure you get a fair deal from the insurance company when you make a claim for property damage.

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