Your car can incur damage in several ways. Someone can vandalize or steal it. A flood, fire, windstorm, and other natural disasters can cause harm to your automobile. The most likely cause of loss to your car is a crash. Determining fault after the accident requires careful investigation. If you have collision or other than collision coverage on your policy, you can rely on the fact that your claim will be covered unless, of course, you did something purposely to cause the accident. If you find out the other party was at fault, then their insurance can pay the damages from first-dollar, avoiding payment of a deductible. If you have the optional Uninsured Motorist Property Damage coverage, and you find out the other at-fault driver has no insurance, then your policy will pay for the damage from that benefit. We’ll be happy to help answer the questions along the way as you get your car fixed. The investigation and repair process has been taking longer than usual lately. We can help push things along.