Some would say going through an auto collision is not only a stressful time, but also be a headache when dealing with your insurance company. Here are tips on what to expect from your insurance company.
According to an article at ehow.com, “Auto Collision Claims”
“The owner of a damaged vehicle has the right to be informed of state laws on accident claims within three days of contacting the representing agent. Colorado agents typically give claimants a copy of the state bulletin summarizing these statutes and explain the details orally.
Vehicle owners have the right to receive a copy of the estimate used by an auto insurance company to figure the settlement. The agent must confirm that the estimate will cover the cost of repairs to restore the car. Claims adjusters use their knowledge of motor vehicles to identify damaged parts and affected systems for claimants. Databases show the cost of parts for particular vehicles and gives approximations of labor time. An adjuster uses these figures to assess the estimated cost of repairs based on his observations of total covered damage. The chosen mechanic is often more knowledgeable concerning the extent of damages and amount of repairs necessary to restore a vehicle. When a shop estimate exceeds a claim adjuster’s assessment, the adjuster visits the shop to examine the mechanic’s discoveries. A final appraisal is made by the adjuster and sent to the insurance company for approval before the repairs begin.” To read the entire article click here.