After a car accident in Baltimore, the immediate focus is often on injuries and vehicle damage. However, personal belongings damaged in a car accident can also lead to significant financial loss. Items like laptops, glasses, or phones may not be covered under standard car insurance policies, leaving you wondering how to get compensated.
This is where a knowledgeable personal injury attorney can help. With legal guidance, you can see that you receive the full compensation you deserve, including coverage for personal belongings that are often overlooked in claims.
Coordinating property damage claims can be complicated, especially when multiple types of coverage are involved. Even without filing a lawsuit, an attorney can assist in valuing your losses, communicating with the insurance company, and ensuring they don’t undervalue your claim.
Does car insurance cover personal belongings damaged in a car accident? Let’s take a closer look at how personal belongings are covered in a car accident and the steps our firm can help you take to secure fair and full compensation. Call us at 410-753-4611.
Will Insurance Pay for Car Accessories Damaged in an Accident?
Car insurance typically covers vehicle damage, including built-in accessories like stereos. However, items such as GPS units or child safety seats are often categorized separately. Replacing these accessories can quickly add up to hundreds or even thousands of dollars. While some policies cover these costs, others do not, making it crucial to have legal support.
Your attorney can help you recover costs for these items by reviewing your policy and ensuring you receive full compensation.
With decades of local experience and a proven track record, we are dedicated to securing the best possible results for you and your family.
If you have questions about compensation for your vehicle and accessories, contact Zirkin & Schmerling car accident attorneys today at 410-753-4611 for a free case evaluation.
Wearable Items
In addition to car accessories, personal belongings damaged in a car accident can include wearable items like eyeglasses, hearing aids, and dentures. These essentials—particularly prescription glasses or hearing aids—are often costly to replace. Dentures, too, can be expensive, and including these items in your insurance claim is important to avoid paying out of pocket.
An attorney can help you properly document and include these losses in your claim, ensuring you receive full compensation.
Don’t let the cost of replacing essential items like glasses or hearing aids fall on you. Call us today at 410-753-4611 for guidance on how to include them in your claim.
Non-Wearable Personal Belongings
Aside from wearable items, other personal belongings damaged in a car accident, such as laptops, cameras, or cell phones, can also be included in your claim. Many people use their cars to transport valuable items for work or personal use, and these losses can add up quickly. It’s essential to assess the full extent of the damage.
To successfully include these items in your claim, you’ll need to provide evidence that they were damaged in the accident. An attorney can assist in gathering the necessary documentation and presenting it to the insurance company.
Make sure all your damaged belongings are accounted for in your car accident settlement. Speak with a Zirkin & Schmerling Maryland attorney for free at 410-753-4611.
Who Pays for Property Damage in a Car Accident?
Determining who pays for property damage in a car accident depends on several factors. If another driver caused the accident, their insurance should cover your property damage, including personal belongings. However, if you were at fault or live in a no-fault state, your insurance policy may be responsible for covering the loss.
Unfortunately, many standard car insurance policies do not automatically cover personal belongings damaged in a car accident. In such cases, homeowner’s or renter’s insurance may provide coverage for off-premises property damage.
Your personal injury attorney can help you navigate these coverage issues and ensure that the insurance company treats you fairly.
Unsure who pays for the damage to your belongings? Call 410-753-4611 for a free consultation with a Zirkin & Schmerling car accident lawyer to get the answers you need.
Can You Sue for Property Damage in a Car Accident?
Yes, you can sue for property damage in a car accident if the responsible party’s insurance doesn’t offer fair compensation.
While most property damage claims are settled through insurance, there are instances where litigation becomes necessary. If the other driver is uninsured or underinsured, or their insurance company denies your claim, you may need to take legal action to recover the value of your damaged items.
Filing a lawsuit may also be the best option if you have high-value items that exceed the responsible party’s insurance limits. For example, the insurance company might not offer enough to cover the total replacement value if you had a laptop worth several thousand dollars or a designer handbag. In these cases, an attorney can help you pursue legal action to recover the complete value of your lost property.
If the insurance company isn’t offering enough to cover your losses, call Zirkin & Schmerling at 410-753-4611 to discuss your legal options.
Documenting Evidence of Damage
To see that you receive compensation for personal belongings damaged in a car accident, thorough documentation is essential. Insurance companies require proof of the damage; the more detailed your evidence, the stronger your claim. Start by taking clear photos of any damaged items immediately after the accident. If the damage isn’t visible, such as with electronics, obtain a notarized statement from a repair professional.
You may need a professional appraisal to determine their worth for high-value items like electronics or jewelry. Your attorney can help you gather the necessary evidence and advise on the best ways to support your claim.
We pride ourselves on our compassionate approach, ensuring you feel supported throughout your legal journey.
Gathering evidence after a car accident can be overwhelming. Contact Zirkin & Schmerling at 410-753-4611 today and let us help you secure the compensation you deserve.
Get Help from a Maryland Car Accident Lawyer
Does car insurance cover personal belongings damaged in a car accident? Get in touch with our team of lawyers today to get answers.
If you’ve been in a car accident and sustained damage to your personal belongings, don’t let the insurance company shortchange you.
An experienced personal injury attorney can help you receive total compensation for everything you’ve lost, from personal belongings damaged in a car accident to high-value electronics.
Does car insurance cover personal belongings damaged in a car accident? For more details on car accident claims, call 410-753-4611 for a free consultation.