AYour insurance company will contact you for additional information, such as a detailed account of the facts, or a written or recorded statement. An examination under oath may be requested. As part of the investigation, other drivers and witnesses may be contacted. If you have medical payments or an uninsured motorist claim, you must provide documentation of your injuries, medical expenses, lost wages, et cetera.
Q. What Happens After I File the Claim With My Insurance Company?
AA claim representative should contact you within a reasonable period of time after you report the loss. However under certain circumstances the insurance company can take up to 15 days to contact you. If you do not hear from anyone, call your agent or insurance company for assistance. If they are not responsive, or you believe there is an unreasonable delay in settling your claim, contact the Department of Insurance.
What Should I Do if the Insurance Company Does Not Contact Me?
AA qualified adjuster or appraiser usually inspects the vehicle damage. The adjuster or appraiser then writes an estimate based on the initial inspection. If further damage is found during the repair process, the shop will contact the insurer to get the additional cost of repairs approved. Keep in mind the insurer may send out an adjuster to re-inspect the additional damages. If the damage is relatively minor, the company may instead ask you to submit competitive repair estimates. Remember, it is your responsibility to sign and authorize the shop to repair your vehicle once you are satisfied with the final estimate and repair facility.
How Does the Insurance Company Evaluate Vehicle Damage?
AThe borrower is responsible for the balance of the loan, even if the vehicle is stolen or damaged beyond repair. If your claim payment is less than the loan balance, the lender will expect you to pay the difference. Coverage commonly referred to as “gap” insurance can usually be purchased to protect against this situation.
Who Is Responsible for the Balance of a Car Loan?
A The coverage helps cover car repair when the accident happened while the car was parked. For example, if your car is damaged during an overnight hailstorm, your comprehensive coverage probably will pay to fix the damages. Using your comprehensive or collision coverage requires filing a claim with your insurance company and paying a deductible before the coverage kicks in.
What is comprehensive coverage?