Working With the Insurance Company When Something Happens to Your Car

Rodolfo Schellin

When something happens to your car you want to make sure that it’s going to be protected. You want to make sure you’re going to get it back to the original condition that it was in before and that’s what your insurance company is supposed to do. They’re supposed to help you get your vehicle back to pre-loss condition or they’re supposed to get you the money that the vehicle was worth before something happened to it so you can get a different vehicle instead (of course this also depends on the specific type of insurance and coverage that you have). But dealing with the insurance company is not always an easy process.


Get it Documented

Make sure you have thorough documentation of everything. You want a police report with all the information about the accident including (in detail) who was at fault, why it occurred and what the police findings were regarding tickets or anything else. You also want a lot of pictures of your vehicle with all the damage well documented. If you are able to get pictures at the scene which show what happened make sure you take them (you should also be able to get pictures from the police with your report). The more documentation you have the better the chances that you’ll get a good recovery from the insurance company.

Be Professional and Fair

Make sure you know what your costs are going to be as soon as possible. Get your car to an approved mechanic and have them look it over. They should be able to give you an estimate without any charges. Make sure it’s a detailed estimate and take that to your insurance company along with your documentation. You want to get what it’s going to take to put your vehicle back together because you don’t want to spend any more money on getting it fixed.

Whenever you talk with the insurance adjuster make sure you’re polite and professional. It’s their job to get you to accept as little money as possible for the work that needs to be done. It’s not personal. They aren’t out to get you. They’re trying to save their company some money. You’re trying to save yourself some money. So you’re really doing the same thing just on opposite sides. If you’re professional and polite at all times, even when negotiating and debating they’re more likely to give in and let you have more money in a settlement.

If you’re not going to get your car restored back to its previous condition and you need to purchase a new car instead make sure that you’re looking at all the options for loans. There are plenty of opportunities out there and if you click here we’ll help you find out more about the process. You need to get back on the road as quickly as possible after all and if your car can’t be fixed that means you need to get approved for a new one as fast as you can.

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