Insurance Claims after a Collision | Get Answers from Graff Chevrolet
While it is regrettable to find yourself in a collision, it is helpful to know what needs to be done to handle an insurance claim. To begin the process, you will need to report the claim to your insurance company as soon as possible. Then you can expect a claims adjuster to call, email, or write you regarding your accident and insurance claim. The adjuster will then work with you to verify what your insurance will cover, determine the deductible, and identify coverage limits that might affect your claim. To make sure the insurance claim is a smooth process it is important you obtain some basic information at the time of the collision.
There are three necessary pieces of information that should to be gathered at the scene of the accident:
- Exchange of information between parties (e.g., license numbers, insurance information, etc.)
- A police report
- Information from any witnesses
The claims adjuster may have you get an estimate of repair costs, especially for simple insurance claims (e.g., minimal damage to vehicles, no medical treatment required, no fault assigned by the responding officer). We are here to help you at the Graff Chevrolet Collision Center in Mt. Pleasant, and we can give you a free repair estimate. We will meet with the claims adjuster to give them an estimate of how much it will cost to repair your vehicle. Before we begin the repairs we‘ll communicate the determined cost to you.
As we are a direct repair shop for many major insurance companies we’re able to efficiently communicate with your provider, making the repair process easier on you. This means that we can efficiently get you through the adjustment process, and back on the road quickly.
Insurance Settlement Offer | What to Do If Your Auto Accident Claim is Denied
Once the adjuster has examined the claim and reviewed your policy, they will present you with a settlement offer. The offer is the amount the insurance company is willing to pay on the claim you have submitted. Your adjuster generally has equitable range, which allows you both to come to an insurance settlement that pleases both parties.
Remember that each situation is different, and if your auto insurance claim is denied, there are many legitimate reasons as to why this has happened. Many times the accident claim denial is related to limits in your coverage. We would advise you to work with your insurance agent to check the denial letter pertaining to your coverage policy. Your agent can be your best resource.
In situations of total loss, the offer is typically fair, but could be on the low side. If you feel your offer is too low, be sure to research your claim as you may find that others in a similar situation have been offered more!
In any case, our team members at the Graff Mt. Pleasant Collision Center are here to help you. Our Collision staff has years of experience in handling insurance claims, so please don’t hesitate to contact us with your questions. We are dedicated to helping you get back into your vehicle as quickly and safely as possible. We are your local Mt. Pleasant area insurance claim experts!