Traffic accidents can be extremely stressful, and dealing with the aftermath is a real challenge. One of the most important things to consider after an accident, aside from everyone’s safety, is insurance coverage of the necessary repairs. Working with insurance after an accident can be tricky, but it can be made much easier if you know a few basic guidelines. Here are a few things to keep in mind when working with auto insurance after a collision:
- Establish Whose Insurance Will Cover the Damage
Generally, for legal and insurance purposes, one party is considered to be “at fault” for a traffic collision. This is the driver who did not have right of way, or who rear ended the other, for example. If there is any doubt, then the police officer that you call to the scene can help settle the matter. The party at fault will be responsible for paying the other’s repair expenses through insurance settlements.
- Get an Estimate
The insurance company paying for repairs will send a claims adjuster to assess the damage to your vehicle. This insurance representative will determine how much the insurance company expects to pay for your repairs. You may also be given the option of visiting a body shop that works with the insurance company to have a mechanic assess the damage and estimate the cost of repairs.
- Seek Repairs
Once the damage has been assessed and a preliminary price has been set, the insurance company will likely give you a list of body shops and mechanics with whom they work. Do some research and pick the one that you feel most comfortable working with. Some on-site paperwork will be done and you should get your car back in good shape and the insurance company will be billed. If your insurance is covering repairs, then you may have to pay for a portion of the repairs.
Remember to stay in contact with the insurance company throughout the repairs process. Michael J ’ s Body Shop works closely with San Jose area insurance companies to provide convenient, high-quality auto repairs. If you’ve been in a collision, then call us at (408) 279-2070.