When You Have To Make A Claim
Disaster strikes! Your car has been in an accident! That’s your baby, your transportation! But its OK because you have insurance, right? After you get over the stress of the accident itself and you’ve settled down, you call your insurance agent. Good so far. Then they tell you that you have to call the claims department and that they are not allowed to help you further. Now you begin to worry.
Before you get too worked up, take a breath. These days, submitting a claim to your auto insurance agency is really not that painful a process. Most companies have developed efficient, fair processes for handling claims. It saves them money, and good customer service helps them keep the premiums flowing in.
Most agencies will recommend a repair shop to you, and you can have your car towed right to them. The agencies have been through this many times, and they know which shops provide the best service, and honest prices. They may ask you if you’d prefer a different shop, but going with their pick is usually the best idea. Sometimes they can handle the entire process with just a few phone calls.
In fact, you may have very little to do with the whole process. Most claims are processed “behind the scenes,” with the insurance companies and shops doing all their work, and then simply asking you to authorize the work. Many times, all you have to do is sign the repair order.
But even with all of these conveniences, it still pays to be careful and protect yourself. Make sure that all of the necessary repairs are part of the repair order; sometimes there are deeper problems beneath the surface. Make sure that the repair shop has done everything necessary to find those deeper issues. Once the work is done, inspect the vehicle carefully before you drive it off the stop lot. It is much harder to bring it back and convince the shop and the insurance company that a problem was there when you picked the car up.
And as long as you are in this position, think about your auto insurance. Good auto insurance is worth its weight in gold. You can save a few dollars on your premiums, but how much is that worth when you’re fighting a claim for months on end, or a claim is denied altogether?
This is a good time, too, to pat yourself on the back for getting good insurance. You could have saved a few dollars a month on cheaper premiums, but now you’ve saved yourself months of disputed claims and denials.
The good news is that most claims are handled quickly and without much effort on your part. If for any reason you are unsatisfied with the way your insurance agency handles the process or don’t like the outcome, let them know by taking your business elsewhere.
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