Waiting on Claims

Often times, consumers find themselves wondering how long a claim is going to take. Will it be a week? Maybe 2, even 3 weeks? No one likes guessing when they are going to get their vehicle back, and it can be very upsetting. It is important for the consumers to try to remember, while it may seem like an easy fix, these things take time. Rushing the adjuster is only going to make things more difficult in the end and may result in sub par effort on the adjuster’s part.

One of the first things that an insurance carrier will have to do while processing an accident claim is verify their insured’s insurance information as well as the other drivers. They do this to make sure that both drivers have an active policy, can confirm coverage, and negotiate fault. This process usually takes the better part of a week to reach all of the parties involved.

One way that the consumer can assist in this process is by having as much information available for their adjuster as possible. Drivers involved in an accident should always record as much accurate information as possible, including posted speeds, license plates of all vehicles involved, witness names and contact information. There are a few other things that the driver may want to get such as pictures and other posted traffic signs.

Once fault has been determined an adjuster will come look at damages to quote the repairs needed, they might recommend a few shops as well. Once that has been completed the insured can start contacting shops to set up an appointment to complete the repairs.

Once the vehicle has been sent to the shop for repairs it is time to wait some more. Most carriers offer some sort of rental car service while a vehicle is in the shop, this can help significantly when an insured is left without a vehicle for a few days.

Lastly, it is a matter of getting the car back from the shop. Some companies will send the check directly to the shop while others may send it to the insured. If the check is sent to the insured it is their responsibility to get it to the shop in order to receive their vehicle. The longer this takes the more they may be charged for extended storage fees, so be sure to take care of this as soon as possible. If the carrier is taking to long to get the check to the shop they will often times cover the extended storage fees.

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