Trying to get a car insurance inspection after the accident and all other things that it entails can be quite confusing. However, the process becomes more difficult than you first expected if you end up sustaining an injury in the accident that also got your car damaged. There might also be other things going on in your mind as well as regards the accident.
Despite all of these, your insurance company will still need to get your car inspected when you get involved in an ac accident. This is also another step that is quite important when it comes to either replacing your car or repairing your car.
We have decided to bring you this detailed article on what you should expect and what the process involves.
Steps To Making An Insurance Claim
Do you know the direct steps involved in the accident claim process? If you don’t, below are some of the common steps involved listed for you;
- Insurance inspection
- Estimate of damage
- Payment of cost repairs
Car Insurance Inspection After Accident
It is impossible to find two different accidents that are the same. As a result of this, there are so many variables involved in inspecting a car after it has been involved in an accident.
You are quite aware that it is most likely to be a cut-and-dry process with everything involved, like replacing or repairing the damaged vehicle, recovering from injuries, and dealing with lost wages.
With that being said, many things need to get resolved if a car is involved in an accident. These things are also essential in providing useful background information that would prepare you for what comes next. These elements are quite common to have at least happened few times if you have ever been involved in a car accident.
Whose Fault Is It
One thing that needs to be determined in all of these processes is finding out who is at fault for the accident. Is the driver responsible for the accident? If whoever is at fault is identified, it solves the problem of which insurance company would be taking care of the bills like repairing damages and treating anyone who got injured. Getting a car insurance inspection is useful to find out who is at fault.
Based on where the damage occurred and also the level of damage sustained by a vehicle, these can be enough points to use against the driver that is at fault.
These are quite important, especially when you have to rely on eyewitness accounts, accident photos, and police reports. You can also get more clarification by combining the damage done to both vehicles involved in the accident.
If The Other Driver Is At Fault
Finding out who is at fault is significant because, at this point, you all already know which driver’s insurance company would be footing all of the bills. Sometimes, the amount of money you are supposed to get can be slashed based on the other driver’s insurance policy.
For this reason, your insurance coverage must be enough to bridge the gap between the driver’s financial ability at fault and the damage that has been done to your vehicle.
There are many ways to achieve this, including purchasing uninsured or underinsured motorist coverage. If you can maintain collision and comprehensive insurance, you can also be able to cover the costs of the driver that is at fault.