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  • Writer's pictureMuammar Reed

What is Considered Property Damage in a Car Accident?

Car accidents in Los Angeles can be distressing and chaotic events, often resulting in a wide range of consequences. Among these, property damage is a common outcome that can lead to disputes, insurance claims, and legal actions. Understanding what constitutes property damage in a car accident is crucial for those involved in such incidents. In this article, we will explore the key aspects of property damage in car accidents, from what to do immediately after a collision to your entitlements and the circumstances that may lead to a lawsuit.

1) What Should I Do First?

In the immediate aftermath of a car accident, ensuring the safety of everyone involved should be your top priority. Here's what you should do first:

a) Check for Injuries: Assess yourself and others for injuries. Call 911 for medical assistance if necessary.

b) Notify the Authorities: Contact the police to report the accident, even if it seems minor.

c) Document the Scene: If it's safe to do so, take photos and notes of the accident scene, including vehicle positions, damage, road conditions, and any visible property damage.

d) Exchange Information: Exchange contact and insurance information with the other driver(s) involved.

e) Notify Your Insurance Company: Report the accident to your insurance company as soon as possible.

2) What Qualifies as Property Damage?

Property damage in a car accident encompasses any harm done to physical objects, aside from the vehicles involved. This can include:

a) Damage to Vehicles: The most common type of property damage is damage to the vehicles themselves, such as dents, scratches, and structural damage.

b) Damage to Personal Property: Property inside the vehicle, like cell phones, laptops, or personal items, may also be considered damaged if they are affected by the accident.

c) Damage to Infrastructure: Collisions with stationary objects like street signs, utility poles, fences, or buildings can lead to property damage claims.

d) Environmental Damage: Spills of hazardous materials or damage to the environment, such as oil spills, may be considered property damage.

3) When Would You Sue Someone for Property Damage?

Suing someone for property damage typically occurs when disputes arise over compensation, and the responsible party's insurance does not adequately cover the losses. You may consider suing under the following circumstances:

a) Insufficient Insurance Coverage: If the at-fault driver's insurance limits do not cover the full extent of your property damage, you might need to file a lawsuit to recover the remaining costs.

b) Uninsured or Underinsured Drivers: In cases involving uninsured or underinsured drivers, you may have to sue them personally to recover your property damage expenses.

c) Disputed Liability: When there is a disagreement about who was at fault in the accident, a lawsuit may be necessary to determine liability and compensation.

4) What Am I Entitled To Recover?

In a property damage claim, you are entitled to recover the reasonable and necessary costs associated with repairing or replacing the damaged property. This may include:

a) Vehicle Repair or Replacement Costs: The expenses incurred to repair your vehicle to its pre-accident condition or to replace it if it's deemed a total loss.

b) Rental Car Expenses: If your vehicle is in the repair shop, you may be entitled to reimbursement for a rental car.

c) Personal Property Replacement: You can seek compensation for personal items damaged in the accident.

d) Damage to Infrastructure: If you are responsible for property damage to infrastructure, you may be liable for repair costs.

5) How Many Estimates Should I Get?

When determining the cost of property damage repairs, it's advisable to obtain multiple estimates. This can help ensure you receive a fair and accurate assessment of the damage. Typically, getting two to three estimates from reputable repair shops is a good practice. Be sure to provide these estimates to your insurance company and any involved parties.

6) Will A Lawyer Take My Property Damage Case?

Most personal injury attorneys in Los Angeles will help resolve your property damage if it coincides with an actual physical injury. Unfortunately, but fortunately, if you were not injured in a car collision, it may be difficult to find a lawyer to represent you in a property damage case by itself.


Property damage is a significant aspect of car accidents that can have various implications, including insurance claims and potential lawsuits. Understanding what qualifies as property damage, how to proceed in the aftermath of an accident, and your entitlements can help you navigate the complexities of such situations. By following the proper steps and seeking legal guidance when necessary, you can ensure a smoother path to recovering from property damage caused by a car accident.

This article is not legal advice and does not create an attorney-client relationship. Each case is different and it is recommended that you consult a licensed attorney in your area if you have been injured or have a potential personal injury case.

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