Not every auto accident is the same.
By way of example, a car that is damaged when a stone bounces up and cracks the windshield versus a car that is totaled, injuring the driver are different types of accidents-and not just because of severity. Insurance companies also differentiate between accident claims and determine which damages a driver qualifies for based on these categories.
Review these four kinds of auto collision insurance claims to find out what they are, before you begin the claims process, how they are handled by adjusters, about submitting a claim and advice.
Bodily Injury Claims
If you are involved in an auto or truck accident which causes one to sustain an accident, then you’ll need to file a bodily injury claim. In most bodily injury accidents, victims will file a claim with the at-fault motorist’s insurance company. However, you will have to file a claim with your insurance company if you live in a state that requires liability insurance to cover personal injury, or if you were the passenger.
The adjuster will compute what your claim is worth by assessing the compensatory damages as soon as you’ve contacted the insurance company that is proper. Compensatory damages are divided into general (noneconomic injury like pain and suffering) and special damages (economic losses such as medical care and wage loss).
Property Damage Claims
Property damage claims cover damage to property and vehicles that occurs due to an auto accident. These damages can be anything from a truck crashing into a home, to a car hitting a mailbox. The insurance company of the driver is responsible for compensating the damage. In such cases, the car, not the driver determines liability.
It’s best to file a property damage claim. If deciding fault in a property damage claim is clear, contact the at-fault driver’s insurance company to avoid paying a deductible by going through your insurer. If the fault is uncertain, file a claim with your own insurance company. Your insurer will reimburse your deductible if the other driver is determined to be on.
Agree to fix scratched, cracked, or chipped windshields fall under auto insurance coverage that is comprehensive. Deciding whether or not it might be worth filing a windshield claim can be complicated. Review your auto policy and ask yourself (and your adjustor) these questions:
• How high is my insurance deductible? (If you’ve got a deductible of $500 or more the deductible will not cover the cost of repair.)
• What is the repair cost for a windshield?
• Will my premium jump after filing a windshield case?
If you choose to file a claim, your adjuster will review your policy. Take your vehicle to a repair shop to have the windshield replaced or repaired, once removed. Your insurer should cover the cost of the fix, minus the deductible.
Third Party Insurance Claims
When filing an auto insurance claim, you have one of two options: going through your own insurance company (first party) or the insurer of the other driver involved in the accident (third party). If yоu fееl thе оthеr drіvеr саusеd the auto accident, filing a third party insurance claim is best since you avoid having to involve your insurer.
There are. For one, while you might be used to communicating with your insurance carrier, it may be tricky to work with another driver’s insurer. Since you aren’t currently paying fact and aren’t their customer, you are trying to get reimbursement from them-it can prove hard to find.
Secondly, third-party insurance companies often try to deny claims by offering an unreasonably low settlement, or by saying there is not sufficient evidence to determine fault.