How to settle your vehicle damage claim directly with the insurance company adjuster
Car Accident Loans is a direct lawsuit funding company providing surgery funding and medical treatment settlement loans for injured accident victims who have been injured in an accident that was not their fault and who are going through the personal injury claim process.
The property damage claim process for car accidents begins when you file a claim for damage to your motor vehicle by contacting the responsible party's insurance company. Unlike personal injury claims, which can take months, even years, property damage claims can be faster and much more simpler.
The Scene of the Accident
After the auto collision, you should immediately call the police or appropriate reporting agency to the scene of the subject accident. A police report is an invaluable tool. Depending on where you live, police officers may only be dispatched to the scene of an accident if someone is injured, traffic is disrupted, or conditions are dangerous to others. However, you should contact the police regardless of the circumstances.
Take your own photographs of the locations as well as all vehicle involved. Make sure your take photograph and video, if possible, of the entire body of the vehicle, not just where you see damage. Documenting the position of the car are crucial.
While you are still at the accident scene, write down as much information as you can, as you will need this information during the claims process. Use whatever is at hand to make your notes, even the back of an old envelope. Write down the other driver's contact information such as his / her address, phone, and driver's license number and the name, policy number, and telephone number of his / her insurance company.
Be sure to write down the names and phone numbers of any and all witness. If you know that you are not a fault for the accident but the events of the accident are dispute or are conflicting, the statement of the witness can be an invaluable asset.
Call the insurance companies
Call Your Own Insurance Company First
There are good reasons why you should first contact your own auto insurance company. Most insurance policies require you to inform the company of ANY accident immediately, regardless of who is responsible for the accident. If you don't notify the insurance within a timely manner, they may deny coverage by issuing a "disclaimer" letter.
If the damage to your car is minor, you may not want to wait for the other driver's insurance company to take action.
However, for more complicated cases (such as an intersection crash), you may have to use your insurance coverage to put your vehicle back on the road. If you are not at fault, then you can pursue (and often your carrier will do this for you) a property claim against the negligent driver.
Call the At-fault Driver's Insurance Company
After you have opened a property damage claim with responsible driver's insurance companies, the insurance companies will attempt to assess fault. In a simple wreck such as a rear-end crash, the fault is easy to decide and the property claim can move forward quickly.The insurance company will send an adjuster to evaluate the damage to your vehicle or request that you take it to one of their repair facilities for an estimate within days of the accident. If the estimate to repair the vehicle exceeds 75% of the value of the vehicle then typically the insurer will declare your vehicle a total loss and pay you for the market value or actual cash value of your vehicle.
If you cannot drive your vehicle because of mechanical or safety reason, you are entitled to "loss of use." Loss of use fall under the property damage coverage of the at-fault party's insurance company. Loss of use coverage covers expenses for transportation while your vehicle in inoperable. Loss of use insurance coverage can reimburse you for expenses incurred from you taking a taxi cab, bus, train, and car rental.
You can request a rental car if you need a vehicle to replace the one that was damaged and is being repaired or was declared a total loss. The rate for loss of use is the typical rate for a rental car, unless you have a specialized vehicle such as a SUV or truck.
Most insurance companies have relationships with car rental agencies such as Enterprise-Rent-A-Car. You're entitled to a rental right up until the day your car is fully repaired.
If you are having trouble filing a property damage claim, you should speak with your insurance agent or insurance company.