After experiencing a car collision or otherwise sustaining damage to your vehicle, you will need to talk to your insurance agent. If your vehicle has suffered a substantial amount of damage, collision repair can get expensive; however, your auto claim adjuster may be able to help. Read on for a brief overview of how auto claim adjustment works.
Discussing the Evaluation Report
Once you have ensured that everyone involved in the accident is okay and the aftermath has been cleared up, you will eventually talk to your auto claims adjuster about the evaluation report. This conversation will determine how much money you will receive from your insurance company after considering the damages done to your vehicle. The auto claim adjuster will offer a certain amount and explain how this number was calculated. The evaluation report uses comparables, which are other comparable vehicles that can be averaged to find a fair market value for your particular case.
Response from the Customer
At this point the customer can ask questions or express concerns regarding the total that was decided upon. It is important to realize that the value of any vehicle can depreciate over time, and the sentimental feelings you may have are not objective. However, you can use this opportunity to state your case to your claim adjuster to find out if there is any flexibility you can work with; in some cases you may be able to increase the amount of money that you receive.
Settling the Claim
The auto claim adjustment process ends when the claim is settled. This means that both the adjuster and the customer agree on the amount to be paid, which is the inherent goal of the conversation. You will then receive the agreed upon amount from your insurance company.
If you have more questions about the auto claim adjustment process, contact Michael J’s Body Shop or visit our website. We are an auto body shop in San Jose that specializes in paintless dent removal and auto collision repair. Feel free to give us a call at (408) 279-2070 or stop in and see us today.