You pay all your premiums every month, this way you keep your coverage updated, but once you need to claim, your insurance carrier will send a licensed adjusted who will evaluate your car accident damages. He might be friendly towards you, but remember, he is your car insurance employer, so that means he will be on the insurance side before yours, and he will set a car depreciation once you have a car accident, he will try to hide some important things you really need to know to obtain a better compensation from your car insurance company.
Any car accident causes terrible damage, raging from any sort of body injures to vehicle depreciation, as you know, once your car gets involved in an accident, your vehicle value depreciates and depending on the sort of accident you got, that makes your car value decreases below the common depreciation rules for any sort of vehicles.
Which are my options for a car depreciation?
Generally, you must file a vehicle depreciation separated from the claim towards the cost of your car repairing expenses. I am going to explain to you some tips you must take into consideration before settling any claim.
What is the first thing I must do once I get into an accident?
Once you receive an accident, you must remember to take into consideration several points of view I am going to show you in this post. I hope this will help you get proper compensation for your accident.
Report this situation to your auto insurance company
Your car insurance company might have a proper website where you can initiate your claim. So you can start doing this while you are waiting for the police to arrive at the place where the accident happened. I strongly recommend you get the other driver’s insurance information immediately and do not talk to the other driver out of calling the police arrives, because that police record will help you when you need to justify any claim, take as many photos or even videos to show to your insurer the extent of the damages caused by that accident.
The more information you possess, the best
You will need detailed information about which car parts need to be repaired, so the best way to do this is to visit your repair shop, talk to your mechanic, and ask him to give you a detailed and itemized document showing your car insurer which parts of your car need to be repaired.
But if you don’t know any trusted mechanic, then you should ask your friends or family, they might be able to address you to a very good mechanic. Take into consideration that your auto insurance company will tell you to send your car to an estimated repair shop, you have to do it. But also, you can provide your car insurer the estimates from another repair shop, then you can verify if these repair rates are accurate or not.
Why is my car insurance adjuster not responding to my phone?
Once you try to contact your adjuster, you will feel like your adjuster due to the number of cases he/she has can’t respond to your calls, but that might be also a strategy for his/her part. They might also try to make you feel frustrated, then you will end up giving up, so you must insist in your calls, his/her idea is making you more likely to accept the first and very low rated offer they give you. They try to use the lack of communication to their advantage, which means you will receive little or no communication from your car insurance company, making you feel vulnerable, or frustrated but don’t worry, you only need to remember some tips, and your claim will succeed.
You have a limited time to file a lawsuit to recover your vehicle or your health. Your car insurance adjuster tries to play with this trick, making you receive way less money, they expect to pay only your car or bike repairing costs and not your medical bills. In that case, you really need to contact a lawyer. Your adjuster will tell you that is not necessary, but it is, because meanwhile you’re recovering in the hospital and your car is being repaired, you need someone who can help you arrange all the legal processes for you.
Your Car insurer adjuster will try to force you to admit that was your fault regardless of the truth
As I told you before, your car insurance adjuster is your insurer's employer, and you are trying to place a claim against the company where he/she is working. So that means if you admit liability for the collision on the part of their insured will be likely your auto insurance company must pay you way more money on your claim than they would like to do. So your adjuster will refuse to admit that was a real accident, so your car insurance adjuster will do his/her best to force you to admit that you actually contributed to the accident by asking you a load of questions trying to make you feel dizzy, and making you by accident admitting it. This insurance adjuster might ask you questions like this:
“I understand the other car ran the red light, and then hits you, but would you be able to do something more else to avoid that accident?”
“I understand it was a snowy day/ rainy day on the day of the accident, but how much the effect of the road slick had on your driving ability to avoid that accident?”
Even if you think that is a simple question, these questions are poisonous because your car insurance adjuster is trying to force you to admit that you may contribute cause to that accident. If you admit it, then, the money you will receive from your injuries or your mechanic bills will be decreased a lot.
If your insurer denies your claim, or your insurer gave you less money in a check that you might receive an official letter coming from your car insurer by mail, followed by a document it says you must sign. I recommend you do sign nothing, nor cash that checks, just in case you want to appeal that car insurance denial to the court, because, if you do, if you sign that document and you cash that checks, the court may rule that you accepted the decision of your car insurer, and you won’t be able to challenge
Talk to your car accident lawyer as soon as possible, you must know your rights and options that might help you, but also expert help is always the best choice for you. That Expert may be able to advocate for your insurance company and help you get additional compensation for your accident.
You can be under surveillance by your insurance adjuster
If your adjuster finds out your injuries are not such severe as you said, he/she will make your settled amount of money coming from your car insurer compensation decrease a lot. Your insurer adjuster might use some shreds of evidence to make you look like you are not injured, they will do anything to monitor all your movements.
That surveillance is fair by your adjuster, and they will try to record video footage of you trying to pick up a box, or hauling trash while you have a broken leg due to your car accident. They can also check your social media, so take good care of your social media privacy settings.
Your car insurance adjuster will tell you don’t need a lawyer
This is one of the most used tactics by your car insurer’s adjuster, they will try to discourage you from seeking legal assistance is a red flag from the adjuster of your car insurance company. They know that if you hire a lawyer specializing in car injury will make them pay you more money than they expect to.
The adjustment of your car insurance will also tell you that lawyer will take all the money you could obtain, that is not true, of course, in fact, you will obtain a higher payout with a lawyer helping you.
Conclusion
The most important thing is you remember that the friendly adjuster who comes from your car insurance is not your friend, he works for your car insurer, so he will do his best to pay you the less money he can.
Do sign nothing, nor cash your check before you talk with a lawyer, just in case you want to appeal that car insurance denial to the court, because, if you do, if you sign that document and you cash that checks, the court may rule that you accepted the decision of your car insurer, and you won’t be able to challenge
Gather the most information from your accident as you can, take pictures, or record a video of your vehicle's damaged parts, or your injuries. Make some copies and keep them in a safe place. Talk with a trusted mechanic about the approximate cost of your car repairs.
Do not admit it was your fault, if you admit it, you will receive less money from your insurer.
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