If you carry comprehensive auto insurance (meaning you have full coverage for any damage to your vehicle) you can deal directly with your own auto insurance company to receive payment for the damage to your car, even though there is a third party who caused the accident. Sometimes if you work with your own carrier they will handle your case more quickly and be more apt to treat you fairly when compensating you for any property damage.

If you do not carry full or comprehensive coverage, then you will have to deal with the third-party insurance company (meaning the auto insurance company for the person who caused your accident.) This can be a little more complicated, because the third-party insurance company will often trick you into giving them recorded statements and other information about your injuries and other issues of the case, instead of just focusing on the property damage issues and paying you out quickly. You want to be sure to limit your communications with the third-party carrier to that which is strictly related to the property damage such as damage to your bike, motorcycle or car, towing expenses, storage expenses, transportation of your vehicle to a repair shop and payment for any other personal property that was damaged in the accident. Read more about the various types of insurance coverage that can cover your property damage and injury claims in auto, bicycle, motorcycle and pedestrian accident cases.

If you are injured in the accident and you don’t have comprehensive auto insurance, your best bet is to contact a knowledgeable personal injury attorney before you make contact with the third-party insurance carrier. Doing this will help you keep the property damage claim separate from the bodily injury claim, and thereby limit the risk of disclosing too much information about your injuries in the property damage claim where it is not relevant.

If you are not injured in the accident, then you typically will not need an attorney to simply deal with the property damage claim. This is a fairly user-friendly process that can be navigated easily and quite quickly without an attorney. However, I would urge you to check the Kelly Blue Book website and scour Craigslist ads to make sure you are getting fair value for your bike, motorcycle or car in the property damage settlement. There are companies out there who will handle your property damage claims, so you can get help with this process, yet not have to bring on an attorney. Again though… if you are injured, you should really consult with a qualified personal injury traffic accident attorney to be sure you don’t make any missteps in your case.


Accident Client

“Last March, my partner was struck by a vehicle while crossing the street. During this difficult time of healing, we knew that bills were going to pile up and his was going to be a long process. After looking at multiple law firms, we knew that Sally Morin Personal Injury Lawyers was going to be the best place to work with. Lauren and her team were patient, supportive and caring during his difficult time. His schedule was always busy with work and doctor appointments that his main source of communication was through email. Lauren and her team made it to where he didn’t have to worry about anything but just sending over the paper work he got from the hospital, and other bill collectors involving his incident and they worried about the rest.

Because of all their help my partner Aaron, was able to heal with less worries on his shoulders. By end of December, everything was settled and we were pleased with the results. I’d like to give a huge thank you to Lauren & the Sally Morin team. If you’re looking for a law firm for your incident, I’d definitely look at this law firm.”

We're here to help with your Personal Injury claim

Check out our Personal Injury FAQ Page to learn more about how the process works.

We Handle Your Personal Injury Accident Claim So You Can Focus on Your Life

After an injury, contact the attorneys at Sally Morin Personal Injury Lawyers. We handle many areas of the law, including pedestrian and car accidents that involve speeding. We believe you should be able to focus on recovering while we handle the legal details.

We truly care about the people of San Jose and all of California. Contact us today for a
free online case evaluation.


It is essential to know your rights after a traffic accident so you can protect yourself and the value of your claim.
This guide will help you:

  • 1Know what to do when dealing with insurance claims, police reports and lawyers.
  • 2Avoid making mistakes that undermine the value of your claim
  • 3Put yourself in a position to get the best settlement possible