How to Handle Property Damage After a Car Accident in Alabama

After a car crash, your first concern is usually your health — but the next question is almost always:

“How do I get my car fixed — and who’s going to pay for it?”

At Ryan & Rouse, we help clients across Alabama deal with both personal injuries and the property damage that comes with car accidents. Here's a step-by-step guide to help you handle the property damage portion of your claim quickly and correctly.

Step 1: Document Everything at the Scene

If you’re able, take the following steps at the scene of the crash:

• Take photos of the damage to all vehicles involved
• Photograph the scene, including skid marks, debris, and signage
• Get the other driver’s insurance and contact information
• File a police report — this is critical for your claim

Even if you weren’t at fault, insurance companies will want proof, and good documentation goes a long way.

Step 2: Report the Claim to Insurance

You can choose to report the claim:

• To your own insurance company, especially if you have collision coverage
• To the at-fault driver’s insurance company (called a third-party claim)

In Alabama, the at-fault driver is responsible for repairing or replacing your vehicle, but you may need to go through your own policy first to speed up the process — your insurer can then pursue reimbursement through subrogation.

Step 3: Get an Estimate — or Two

Insurance companies will often direct you to one of their preferred repair shops. You have the right to:

• Get your own repair estimate
• Use the repair shop of your choice

If your car is totaled (repair costs exceed market value), you’re entitled to the fair market value of the vehicle — not what you paid or owe on your loan.

Step 4: Ask About Rental Car Coverage

If your vehicle is in the shop or totaled, you may be entitled to a rental car, either through:

• Your own insurance policy (if you have rental reimbursement)
• The at-fault driver’s insurance (but they may not authorize payment until they accept liability)

If the insurer drags its feet, we can step in and push for reimbursement or recovery through your own coverage.

Step 5: Understand Diminished Value Claims

Even after repairs, your car may be worth less than before the accident. In Alabama, you may be entitled to a diminished value claim, which compensates you for the reduction in resale value due to the crash history.

These claims are complex — and insurance companies often deny them unless you press the issue. We can help you evaluate whether it’s worth pursuing.

Step 6: Know When to Call a Lawyer

If your car is damaged but there are no injuries, you can usually resolve the claim directly with the insurance company. But if you experience any of the following, it’s time to call Ryan & Rouse:

• The other driver is uninsured or underinsured
• The insurance company denies liability or delays payment
• You suffered injuries along with vehicle damage
• You’re dealing with a total loss dispute or diminished value
• You feel pressured to accept a low offer

We’ll take over communication, document your losses, and fight for every dollar you’re owed.

We’re Here to Help — From Fender Benders to Serious Crashes

Property damage may not be as devastating as a physical injury — but it’s still stressful, inconvenient, and expensive. At Ryan & Rouse, we make sure you're not taken advantage of while trying to get your life back on track.

📞 Call us today at (256) 801-1000 for a free consultation if you're struggling with your property damage claim or need help dealing with the insurance company.