Auto Insurance Claims
Posted by: info | June 14, 2007
Auto insurance companies will fight before dishing out a claim if possible. An auto insurance claim is considered a report of damage that is filed to an insurance company for payment. A driver involved in a no fault accident should file a claim with the driver’s insurance company who is at fault. For the best results, a claim should be reported promptly, (with in 10 days of the accident), if possible.
An insurance company that receives a claim against them, will start an investigation of the accident. This is why a police report, witnesses and evidence is so important. Documenting all the details of an accident and dealings with the driver, police officer and insurance company can deliver promising results.
Without proper documentation, witnesses or a police report, can provide leverage for an insurance company to delay or deny a claim. The at fault driver’s insurance company may request photos of the damage and police reports to do a proper investigation. Providing the documents, photos and communicating with the insurance claims specialist can speed up the process.
A driver who has full coverage insurance and is unhappy with an investigation, insurance company, claims specialist or the results, can file a claim with their own insurance company. A no fault driver should only consider filing a claim against their own company as a last resort. This option is available if a full coverage driver who can’t resolve their case. However, talking with an insurance company representative can be very helpful and informative.
Don’t settle for a claim in which is not fair or enough money to have all damages fixed. Some insurance companies may push for rebuilt or used parts. Any driver has the right to choose the company they wish, to have their vehicle repaired. If the claim is low, the repair shop can ask for extra money with proper documentation. Don’t get tempted and cash a claim check.
This money is to repair, replace parts and damages to a vehicle. An insurance company will not have to pay any further damages to a driver who cashes the claim check. This may not be enough money to cover all damages and should be paid to the business who does the repairs. If the check comes up short, the repair company will seek the extra money from the insurance company. There are many attorneys available to help fight an insurance company if needed.
Tags: auto insurance claims, no fault accident, at fault driver, repairs, damages, vehicle, insurance company, insurance claims specialist, investigation, accident, police report, full coverage insurance
Posted in: Insurance, General |
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