I’m 18 and recently got a new car. Last night, I was driving to a friend’s house at around 45 mph when I unexpectedly encountered a sharp 90° turn with no warning signs. I lost control, crossed into the opposite lane, hit a large metal bucket filled with concrete, and ended up on someone’s lawn with oil and coolant leaking from my car. The car’s undercarriage is damaged and may be a total loss.
This is my first accident, and I don’t know what to do, especially since it was my fault. The state troopers said I wouldn’t be charged but will have to pay for property damage (grass and pottery). The car is currently at a yard. Should I file a claim? Any advice would be appreciated.
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Here’s what you can do:
Assess Your Insurance Coverage
- Collision Coverage: If you have collision insurance, it typically covers damages to your car, regardless of fault. Given the extent of the damage, you might want to file a claim to help cover repair or replacement costs.
- Property Damage Liability: This coverage usually applies to the damage you caused to someone else’s property (the lawn and any other damaged items). Your insurance will cover the cost up to your policy limit.
I remember being in a similar situation when I had my first accident at 19, and it was a nerve-wracking experience. First off, it’s good that no one was hurt and that you’re safe. Since it was your fault, you’ll likely need to pay for the damages, both to your car and any property you hit. Filing a claim depends on your coverage and the extent of the damage. If your car might be totaled, and you have comprehensive or collision insurance, it’s probably worth filing. Just be aware that this could increase your premiums. Also, check if your policy includes roadside assistance or rental coverage if your car is undrivable. Since this is your first accident, your insurer might work with you, but it’s crucial to get an estimate first to see if the repair costs are worth going through insurance or paying out of pocket.