When you are in a car accident, you will need to take a look at some of the different types of car insurance claims to see what is available and which one is going to make the most sense for you to use. There are different types and it can depend on the situation and who is at fault as well. Some of the most common types of car insurance claims to consider include:

# Liability claim: This is the coverage that will pay for property damage and medical care for anyone else who was involved in an accident if you are the one at fault for it. If you carry liability coverage, then the insurer is going to pay for the repairs up to your policy limits. If the damage goes above the coverage limits, then you will need to come up with the money out of pocket.

# Comprehensive and collision claims: This is going to be a good policy to have in place for protecting your car in an accident: This is going to cover some of the damages that happen when you are in a collision with another vehicle. It can also help against weather damage and theft that isn’t caused by a collision.

# Underinsured motorist claim: This is a good one if you get hit by someone without insurance, or someone who doesn’t have the right amount of insurance, and they are at fault for the accident. Your insurance will cover the difference of the other driver so you still get the compensation you need.

# Total loss claim: If you are in an accident and the cost of the repair is higher than the cash value, then you have a total loss. You will want to have insurance to help cover this one.

# Diminished value: This is going to help where you lose value on selling the car after the accident.

A car accident can be a major problem for a lot of people. You may have some injuries that you will need to work with and you want to make sure to get it under control and get the compensation that you need to get back on your feet. When you are looking for the right legal assistance to be there after your accident, it is time to take a look at the services of Luke Ellis, a GJEL legal expert who will be with you every step of the way. Don’t try to handle the car accident claim on your own and suffer the consequences of the big insurance companies running you over. Contact us today to learn more.