an insurance agent working on a car accident claim process

Top Mistakes Drivers Make During the Vehicle Damage Claim Process

Hey there, road warriors! Navigating the vehicle damage claim process can feel like trying to find a needle in a haystack. But fear not! We’re here to spotlight the top mistakes drivers make during this journey and, more importantly, how to sidestep them to ensure you get the compensation you deserve.

1. Delaying the Claim Process

Procrastination might be fine for laundry but not for insurance claims. Failing to report an accident promptly can raise red flags with your insurer and potentially jeopardize your claim. Most insurance policies require you to report an accident as soon as possible, typically within 24 hours.

Pro Tip: As soon as you’re safe, notify your insurance company about the accident. Many major insurers offer app-based reporting, making the process quicker and more convenient.

2. Accepting the First Settlement Offer

That initial offer from your insurer might seem like a quick fix, but it often doesn’t cover all your expenses. Insurance companies are motivated to settle claims quickly and often offer an initial amount that might seem appealing at first glance. However, this initial offer might not fully cover your damages, both current and potential future medical needs.

Pro Tip: Review every offer carefully. Consider seeking legal advice to ensure you receive fair compensation. Don’t hesitate to negotiate for a better deal.

3. Overlooking the Appraisal Clause

Many drivers aren’t aware of the appraisal clause in their insurance policy, which can be a game-changer if there’s a dispute over the vehicle’s value. An appraisal clause allows both you and your insurer to hire independent appraisers to determine the vehicle’s worth, potentially leading to a fairer settlement.

Pro Tip: Familiarize yourself with your policy’s appraisal clause. If disagreements arise, don’t shy away from invoking this clause to ensure an accurate vehicle valuation.

a woman using the phone after an accident
Documenting the accident scene thoroughly ensures you have solid evidence for your vehicle damage claim

4. Not Documenting the Scene Thoroughly

In the heat of the moment, it’s easy to forget to gather evidence. However, failing to document the accident scene can weaken your claim. Gather as much evidence as possible to support your claim or help the authorities determine fault in an accident.

Pro Tip: Use your smartphone to take photos of the accident scene, vehicle damages, and any visible injuries. Collect contact information from witnesses and keep copies of all related documents.

5. Neglecting to Seek Legal Advice

Thinking you can handle the claim solo might cost you. Insurance companies have teams of lawyers working to reduce payouts. Consulting with an experienced car accident attorney can be highly beneficial.

Pro Tip: Reach out to a legal professional who specializes in auto claims. They can guide you through the process, negotiate with insurers on your behalf, and ensure your rights are protected.

Avoiding these common pitfalls can make the vehicle damage claim process smoother and more rewarding. Stay proactive and informed, and don’t hesitate to seek professional assistance when needed. Safe driving, and may your claims be ever in your favor!

Get the Best Diminished Value Appraisal with Jared’s Auto Appraisals

At Jared’s Auto Appraisals, we specialize in diminished value claims and auto appraisals.

If your car was involved in an accident, it might have substantially lost its value even after proper repairs.

The good news is you can use our expertise to evaluate and recover your loss by filing a diminished value claim with your insurer.

Contact us today to ensure you receive the compensation you deserve!