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Understanding the property damage process

Once the insurance company establishes responsibility for the repairs to your vehicle, a claim is established and an adjuster is assigned. If entitled, the insurance company will ensure you are provided with a rental vehicle. Also at this point, before a body shop is chosen, the insurance company taking responsibility for the repair will have the vehicle inspected and assessed for the true extent of the damage. Depending on the insurance company, some will send a field adjuster first to examine the vehicle before a body shop makes its assessment. Others prefer that the car be driven, if possible, to an inspection center. This happens in most cases where the vehicle is driveable.

If your vehicle is not deemed a total loss and is repairable, most insurance companies require that the repair work be done with one of their direct repair facilities (link separate list). Most insurance companies will allow you to take it to the shop of your choice. Once an estimate is approved by the claims adjuster, the vehicle is then authorized to be repaired. You are entitled to have your vehicle placed back into the same condition it was before the accident. There are cases where your vehicle is a total loss, and you may not agree with the total loss figure. Using the appropriate guides, deducting where appropriate for excess mileage or damages, and adding certain accessories, your attorney and his experienced paralegals should be able to rectify this situation. If it cannot be resolved our firm has forced the issue by litigating property damage disputes.

Am I responsible for paying the insurance company? Many companies prefer direct payment, especially if the insurance company has a relationship with the body shop. This allows for a billing cycle to be established between the two parties and it eliminates the need for you to get involved with the payment process. If you are going through your own body shop, many insurance companies will simply make a check out to the shop directly and send it through the mail.

Accident Lawyers in Maryland, Virginia & Washington DC

For over fifteen years the attorneys at Portner & Shure have been representing victims injured in automobile accidents.  You may request a free consultation with our personal injury accident lawyers in Maryland, Virginia & Washington D.C., to make sure you get the benefits you are entitled to.

Maryland, Virginia & Washington DC Immigration Lawyers

Do you have an immigration issue? Contact our law firm today for a free case evaluation. Want to learn more? Read our online resources:


Howard County
5300 Dorsey Hall Drive
Suite 104
Ellicott City, MD 21042
Montgomery County
14 South Adams Street Rockville, MD 20850
Northern Virginia
HQ Tycon Towers 8000 Towers Crescent Drive #1350 Vienna, Virginia 22182
Houston, Texas
25231 Grogan's Mill Road Suite 110 The Woodlands, TX 77380
Anne Arundel County
Ritchie Highway
Glen Burnie, MD 21122
anne arundel county
Riva Road
Annapolis MD 21401
anne arundel county
Postal Court
Pasadena, MD 21122
Frederick County
Guilford Drive Frederick, MD 21704
baltimore county
Baltimore-National Pike
Catonsville, MD 21228
Baltimore County
Painters Mill Road
Owings Mills, MD 21177
Eastern Shore
Dover Road,
Easton MD 21601
Route 50
Cambridge MD 21613
eastern shore
Riverside Drive
Salisbury, MD 21801
Coastal Highway
Ocean City, MD 21842
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