Tips for Dealing with Car Insurance Claim Adjustors
When you’re in a car accident, you have a lot of things to think about. Worrying about claim adjustors may be at the bottom of your list of priorities. Read on to learn what you need to know to approach the situation informed and prepared, minimizing the time, effort, and frustration involved with the process.
The first step is to ask your insurance agent or representative exactly what you will need to do based on your unique situation. By carefully following the instructions you are given, you ensure that you will be back on the road as quickly as possible.
A claim cannot be filed without first filing the proper paperwork, and it’s your responsibility to contact your insurance company to find out which documents are necessary for you to file. Insurance companies will only do this by request, and failure to ask is your fault. It is important to be careful when filling out the forms – inaccuracies can result in an improperly filed claim.
In addition to information regarding the necessary paperwork, you will also need to have a claim adjuster sent out by the insurance company. This person must check the damage that has been done to your vehicle before you have any repairs done, or the repairs will not be covered by your insurance. Once the damage to your vehicle has been verified, the claim adjustor will determine how much you can claim for damages, according to the terms of your policy.
Claim adjustors are in high demand, and there can be a delay having one sent out to assess your damages. Another option that many insurance companies provide is to use a drive-in claims facility. In this case, you do not have to wait for the adjustor to meet you, and you can get your repair and claim done at the same place and time, making life a little easier.
It is important that you have a few pieces of information about your situation. First, find out if you have a time constraint by which you must file claims and submit bills for repair. You should also be informed when you will hear back from the insurance company regarding your claim. If estimates of the damage to your vehicle from a repair shop must be provided, you must know this, and get it done in a timely mater. Finally, it is worth inquiring whether or not you are eligible to receive a rental car during the time that your vehicle is being repaired. Your insurance company can make you get more repair estimate to ensure fairness, so be prepared for this.
Basically, the rule of thumb is that everything done to your vehicle or insurance claim after an accident must be documented and filed. It is important to keep a copy of all papers, receipts and other documents, because these will be crucial should your claim go to court. Get as much information as possible from the accident scene and the other drivers involved, and get it all in writing. This will speed up the process, ensuring your claim is filed as quickly and efficiently as possible so you can get back on the road and move on with your life.