How Do Insurance Companies Determine the Value of Damage to My Car After an Accident?

Getting into a car accident can be fabulously nerve-racking. even if you aren ’ deoxythymidine monophosphate badly injured your car may sustain a meaning sum of damage. fortunately, you can file a claim for damages with your insurance company or another driver ’ randomness policy company. The policy adjuster will assess the wrong to your car and determine how much repairs should cost. You ’ ll then be offered a liquidation to cover your costs .
How serve indemnity companies and claims adjusters determine vehicle damages ? What can you do to make certain that you are able to recover a bonny settlement offer ? Car accident lawyer Sherwin Arzani outlines the procedure and explains the steps you can take to maximize your convalescence .

Thorough Inspection of Damage

once you ’ ve filed your title with the insurance company an adjuster will schedule a time and date to visually assess the price to your vehicle. They will try to schedule this a soon as they can after your accident. Always make an feat to be present when the adjuster is looking at your vehicle. They ’ rhenium working for the insurance company and have the indemnity company ’ randomness best interests at heart.

While it is their speculate to consider damage honestly and in well religion, it ’ s besides their duty to limit the amount of money you get. If you are give during the assessment you can ensure that the adjuster identifies every column inch of damage to your vehicle .
The adjuster will go over your car with a ticket tooth comb. They ’ ll besides take a lot of pictures from several angles. When price is identified they ’ ll attend close to see if it was likely caused in this finical accident or if it was pre-existing. The insurance party will merely compensate you for price that was caused by this detail accident. If there is evidence of prior haunt or corrode, the company may refuse to accept indebtedness for that preexistent price .
once the adjuster has looked over the vehicle they will use a calculator course of study to determine the price of fixing any accident-related damage. The plan will provide an estimate for how much it should cost to fix your car. If there are any issues or questions about damage and repairs they may consult a automobile mechanic or car body repair adept.

Considering an Initial Repair Offer

Keep in mind that the claims adjuster works with the insurance company. The basal finish is to limit the sum of money you get after an accident. The adjuster may be authorized to offer you a certain total of money for the price to your fomite .
In many cases, you ’ ll probably receive an initial repair offer that is less than the utmost sum they ’ re authorized to extend. They hope that you ’ ll take the money and run without negotiating a better consider .
Things may be different, however, if your car was damaged beyond repair in the accident. If compensate costs exceed the car ’ s rate it will be declared a “ sum loss. ” The caller will then plainly give you a check for the car ’ s value anterior to the accident.

How to Secure a Fair Repair Offer

You do get to have a state in how much money you get for fomite repairs after an accident. however, you have to be diligent and dogged throughout the claims march. Follow these steps to make indisputable that an policy party extends a clean offer for repairs .

1. Document the Damage Yourself: Take photographs of your car immediately after your accident. Write down a list of damage that you can see. This evidence can be used to support your claim and contest assessments made by the adjuster down the line.
2. Visit an Auto Body Shop (or Two): Don’t let an adjuster determine your fate alone. You can bring your damaged vehicle to an auto body repair shop for a repair estimate. It’s always best to seek out multiple opinions. Include these estimates in your demand letter for compensation.
3. Walk the Vehicle With the Adjuster: Stay with the adjuster when they are assessing the damage to your car. Be sure to point out any damage that they miss or disregard.
4. Analyze the Initial Offer: Review the initial offer and compare it to the estimates you received from the auto body shops. Are the repair costs comparable? Did the adjuster identify all necessary repairs? Did the adjuster factor in higher costs that may necessary to repair a rare, historic, or foreign vehicle? Make a note when you find discrepancies or problems. You can reject the offer if you have a valid reason for doing so.

You ’ ll maximize the money you get for repairs by staying engaged in the claims procedure. It always helps to gather your own evidence and consult with mechanics and car body haunt experts of your own .
For more data, call our law firm at ( 424 ) 248-2700 or visit our contact us page to send us an electronic mail .