In a perfect world, everything would go smoothly, and your claim would be paid swiftly. Of course, that's sometimes not the case. Here are some common reasons claims are delayed. Both you and the claims adjuster need to be available.
Not answering the phone is a sure-fire way to delay a claim. It's a great idea to verify all of your contact information at the time of filing a claim. Double-check the mailing address, email address and phone number on file. Did you think you had OEM coverage?
Does your policy say that you don't? Coverage discrepancies can extend the claims process. Don't like the paint job on your repair? Does something not seem right? Rushing a repair to get your car back is not a good idea. If you aren't happy with your repair, it's best to point it out immediately to get it resolved.
Did a hail storm just come through the area? Is everyone dealing with the aftermath of a flood? Natural disaster claims often take longer because the insurance company and the auto repair service providers are both going to be backed up.
You can't get your car insurance claim handled quickly when you don't have the cash to cover the deductible. Deductibles need to be paid at the time of repair. Plan on holding off on the repairs if you don't have the cash to cover your deductible.
Choosing a reputable insurance company with excellent ratings can help ensure you have a smooth claims process. Sometimes, no matter what you do, the claims process takes longer than you would like. The best thing you can do is have a backup plan. Here are a couple of options. Lots of problems can occur during the claims process, slowing things down.
If major delays arise, talk with your insurance agent if you have one. Agents often don't deal directly with a claim, but they are a great resource if there is a problem. An agent can contact your claim representative, or even the body shop, on your behalf to help ensure that the process goes as smoothly as possible.
It may not be ideal, but sometimes you have to get a rental car, so you can get to work and pick up the kids from school. Many insurers will cover the cost of a rental car after an accident, but check the terms of your policy to find out for certain.
The most cost-effective option is to borrow a friend's or family member's car. Their insurance coverage would be automatically extended to you, but remember that their deductibles will apply if you damage the vehicle.
Paying for the deductible would be the right thing to do if a loss occurs while you are borrowing their vehicle. The time limit for how long you have to file a claim after an accident varies by state. In some states, you have one year; in many others, it's two or three years or more. The time limit also varies depending on whether it's a bodily injury claim or a property damage claim.
An insurance adjuster is a professional who accesses insurance claims and determines how much the insurance company will pay. Also known as a claims adjuster, insurance adjusters typically do a thorough investigation, which might include reading police reports, talking to witnesses, and evaluating the damage first-hand.
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What You Should Do. Common Factors That Delay a Claim. By Emily Delbridge. Emily Delbridge is an authority on car insurance and loans who contributed to The Balance for nine years. Delbridge is a licensed Personal Lines Insurance Agent who has been in the insurance business since Since joining the industry, she has significantly contributed to the book of business for independent agency, Great Michigan Insurance.
Learn about our editorial policies. In such cases, we offer you a settlement that is based on your policy coverage. They then determine if repairs are feasible. The appraiser adjusts the true selling price to determine the actual cash value of the vehicle.
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