insurance agent examining car damage

Who Should Fix Your Car After A Car Accident?

Being involved in a car accident is never fun. In addition to the potential  emotional and physical damages you can sustain from the wreck itself, you’ve also got to worry about getting your car back in working order so you can continue about your everyday life.

While the specifics may vary from state to state (and depend on who’s at fault for the crash), you’ve usually got more than one possible outcome after you experience an accident. Today, we’ll explore some of the common avenues of pursuit and what you should know about getting your car fixed following a collision.

Insurance Generally Covers The Costs Of Car Repairs

By and large, if you’ve been involved in an auto accident and need repairs for your vehicle, an insurance company is who you will turn to in order to get at least some of the funds for those repairs.

Which insurance company you’ll be dealing with will depend in part on liability (who is at fault for the accident) and whether you’re in a “traditional fault” or “no fault” state. 

There are a few ways this might play out. In traditional fault states, if you can prove the other driver was negligent or they accept fault for the accident, you’ll typically be able to get that driver or their insurance to pay a standard amount for damages.

The upside here is that you won’t usually need to come out of pocket for any costs, but the downside is that it can take a considerable amount of time (sometimes weeks) and that’s time you’ll be stuck without your car in working order.

In no fault states, however, your own insurer will typically cover damages. This is more expedient, obviously, but will also require you to pay a deductible (and, in some situations, your own rental car fees while your vehicle is getting repaired). You might be able to get your deductible repaid, should the other party’s insurance company reimburse yours, but this is not always the case.

And what of scenarios when the other driver is at fault but doesn’t have insurance? It’s not an enviable circumstance by any means, but in these situations, you may be protected by your own policy’s uninsured motorist coverage. There’s still a chance, though, that you’ll have to come out of pocket to pay a deductible.

Finally, though more rare, there are also instances where you may need to get an attorney involved to help you get damages paid for in the event of an auto accident. In such circumstances, it’s best to go with a skilled attorney, and make sure to follow their advice to ensure the best possible outcome for your case.

 

Ways To Save For Your Dream Vacation

Imagine, if you will, your dream vacation. For some, that might conjure images of a quiet camp in a mountain paradise, enjoying the wonders of nature and serene seclusion. 

For others, that might mean strolling the streets of a far-flung metropolis, taking in the sights and interacting with the busy populace. 

For most, though, regardless of the destination, a dream vacation is going to take a fair bit of both planning and saving. How can you get it done without breaking the proverbial bank? These strategies should set you down the right path.

Start That Side Hustle

It’s a tale as old as time. You’ve got an additional expense to plan for, and so you take on an extra job to help save some additional funds. There are, of course, a few options that spring to mind, like picking up a job with Lyft or Uber, but in the modern era, though, you aren’t limited to searching through the classified for part-time gigs. 

There are plenty of side hustles you can start right from home and perform remotely, freeing up time and simultaneously getting paid — especially if you’ve mastered creative skills like design or writing.

Rent Out Your Property

If you are in the (arguably) enviable position of owning a second property, or have a spare room in your primary residence, you might be able to rent it out for some newfound cash flow. Services like Airbnb provide a relatively quick and streamlined way to start broadcasting that you’ve got a spot for rent, and if you’re in a popular location, you should be able to get some takers sooner rather than later.

Sell Some Of Your Stuff

Do you have that one spot in your house where old stuff just seems to keep piling up? You might be able to kill two birds with one stone, by selling off those lesser-used possessions and freeing up some space in the process. Check out sites like Craigslist, or pay a visit to your local thrift store to get the ball rolling on letting go of those items.

Don’t Forget To Plan For The Unexpected

Ever thought about why you need a car accident attorney on vacation? While it might not be as hip as fantasizing about that dream locale, it’s prudent to plan for the unexpected before you set off. 

Anything could happen, after all, from needing to leave in a hurry to requiring the services of a motor vehicle accident lawyer if you run into trouble on the road, so be sure to take some time to consider some of those possibilities and chart out how you’ll deal with them.