Attorney: Most collision claims can be resolved by dealing directly with either your own insurance company or the adverse driver’s insurance company. A few things to remember: First, you have the right to a rental car paid by the liability insurer while your vehicle is being repaired. Second, you have the right to be compensated for any loss in value due to the vehicle being in a collision. Third, you also have the right to use a repair shop of your choosing over the insurance company’s ‘authorized’ repair shop. And finally, if your car is totaled by the accident, you are entitled to the fair market value of your vehicle plus tax and title.