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What happens then?

Whenever you talk with anyone regarding the accident, take detailed notes. Record the time, date, name of the person and what you discussed. Include all decisions or promises made. Keep our agency fully informed, and furnish us with copies of any documents you send or receive. Save all receipts. Your auto insurance policy may cover incidentals such as car rental or a hotel room if your accident occurs out of town. Check with our agency for specific details of your policy. Cooperate fully with any insurance company employees who may contact you for further information.

Generally, there are three methods used in handling auto accident claims:

• you will be asked to drive the car to a drive-in claims center, where an adjuster will inspect your car and issue an estimate of damages; or

• you will be asked to take the vehicle to several body shops for estimates, and then turn the estimates over to the adjuster; or

• your insurance carrier will contact an adjuster to review your case and expedite your claim. Get the adjuster’s name, address and the name of the firm. If an adjuster has not contacted you within 10 days, notify us.

 When reviewing an estimate with the adjuster, find out if the damaged parts can be repaired or replaced. Determine whether the estimate is for original manufacturer or third-party parts, and if that type of part is covered by the terms of your policy. After you have received authorization to repair your car, make an appointment with a reputable repair shop. Ask how long the job should take and find out if the needed parts are in stock. If the cost of the repairs exceeds the estimate, ask the shop to notify the adjuster for authorization. And remember, you’re not in this alone. We are trained and willing to help you with every step in this process.

WinnSom: Your Professional Insurance Agent…We want you to know about the insurance you’re buying.


Your Insurance is our business

Posted 9:55 AM

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