If you happen to be involved in an accident, any compensation that would be paid would be handled by through what is called an insurance claims process. Even if you are going to submit a claim to the insurance company of the driver that is at fault or to your own company, the fact still remains that finding out the extent of the damage done on your vehicle is the central issue, When handling car accident insurance claims, what do car insurance adjusters look for?
What Do Car Insurance Adjusters Look For
Depending on several circumstances surrounding the accident you have been involved in, the insurance company is going to send out its claims adjuster to have your vehicle inspected and if it is possible for you to be around during the time of this inspection then you should so the claim adjuster doesn’t have to omit or look away from any of the damages on your vehicle. The main goal of the claims adjuster is to make sure the insurance company doesn’t pay for any damage that your vehicle already has.
Cost Of Repair And Visual Inspection
You are only going to get compensated for damages that your vehicle incurred during the recent accident and for these claims to be made valid, the claims adjuster would need to inspect the areas that were damaged closely so as to make sure there are no signs of repair or rust. In some cases, it comes down to you to prove the damages done on your vehicle and it is also advisable for you to take pictures of any damage done to your vehicle.
Be Read To Disagree With Claims Adjuster Conclusions
The next aim of every claims adjuster is to make sure that you get a very low amount as compensation for the damages done to your vehicle and you should also know that this isn’t anything personal but also business as usual. Every claims adjuster would expect the person laying the claims to try and negotiate and this is why they always come up with an offer that is way lesser than what the insurance company is willing to pay out itself.
Bearing all these in mind, you also cannot turn down the offer of the insurance company if you do not have a reason that sound convincing and this is why you would need to have photo details and also estimates gotten from a repair shop to help in backing up your claims. However, if you have a classic car, the insurance company is also capable of bringing down the cost of such specialized repairs.
Vehicle Might Be Considered As A Write Off If The Damages Are Too Great
This is also dependent on the insurance company as if the cost of repair is at fifty percent or if the cost of repair is higher than the car’s market value then your car would be considered as a total loss. In this case, what you are going to get from the insurance company is the car’s market value based on its present accident condition. This is also one fact that you need to have at the back of your mind if you are going to negotiate with a claims adjuster.
If there would be an argument on the cost of damages of your car being greater than your cars market value then your car stands the risk of being labeled as a write off. This might not really be a good thing for you but it is also dependent on what you really think. If you have more questions and guidelines then you can go ahead to seek the services of a legal practitioner for help and advise.