What Happens if Repairs Cost More Than Expected After an Accident

Car accidents are stressful on their own, but finding out that repair costs exceed the original estimate can make the situation even worse. This happens more often than many drivers expect, especially when hidden damage is discovered during repairs. Understanding how your auto insurance handles these adjustments can help you avoid unexpected expenses and disputes.

When a mechanic begins working on your vehicle after an accident, they may find additional damage that was not visible during the initial inspection. This is common with modern vehicles, which have complex internal systems that can be affected by even minor collisions. Your insurance company will need to approve a supplemental claim to cover the additional costs.

If you have collision coverage, your insurance policy should cover the additional repair costs up to the actual cash value of your vehicle, minus your deductible. However, if the total repair cost exceeds the value of your car, the insurance company may declare it a total loss.

At IAL Insurance in Indianapolis, IN, we can help you understand your auto insurance policy and what to expect if repair costs exceed estimates. Contact us today at 317-376-0500.