Make sure the auto body and insurance company are on the same page

About 20,000 car accidents occur every day in the United States. Chances are that every motorist will be involved in at least one car accident in their lifetime. When an accident happens, the driver plays an important role in ensuring that the bodybuilder and the insurance company are on the same page. Regardless of who is to blame, there are steps that can be taken to reduce out-of-pocket expenses and inconveniences.

Exchange information with the other driver

Insurance companies need as much detail as possible before paying a bodyshop to repair your accident. If there are no injuries and everyone is safe, both drivers should exchange names and numbers. It’s a good idea to write down the name of the other driver’s insurance company and the policy number if possible. Also note the make, model and registration number of the other car involved in the accident. Your insurance company will ask for this information when you make your claim.

File an accident report

If there are any injuries, the police should be sent immediately. An accident report is completed on site and a copy of the report can be faxed to the insurance company. Minor accidents may not require a police response, but can still be reported. A state vehicle accident report form is available through the police or DMV. In some areas, the necessary paperwork can be found online. The sooner the insurance company has the notification, the faster your claim can be processed.

Document everything

As mentioned, insurance companies want to know as much as possible about an accident before working with the bodyshop to repair a vehicle. In addition to the other driver’s information and an accident report, make notes about exactly what happened, the location, weather conditions, and any other details related to the accident. It’s also a good idea to take photos of the damage to both cars and keep records of any future calls.

Contact the insurance company

A claim must be submitted to the insurance company as soon as possible. It is best, if possible, to call before leaving the scene of the accident. Once the claim process has started, the expert can help determine the best approach for completing the repair. Keep in mind that in most states, a driver is not required to use their insurer’s preferred store. Also remember to take a few notes about the conversation for your records.

Collect estimates

Most insurance companies require multiple repair estimates if a driver wants to use a bodyshop outside of the company’s network. It is a smart decision to have the damage approached by more than one body shop anyway. Have at least 2 or 3 garages provide detailed estimates of the parts and labor required to repair the vehicle. The loss adjuster handling the claim should be provided with copies so that a decision can be made to proceed with the repair.

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When the insurance company has the necessary data, it is easier to work with a bodyshop to get damage from an accident repaired quickly. The claim can be paid directly to the bodybuilder or can go to the insured. Be that as it may, make sure you get the details in writing. The most important thing is to keep in touch with the insurance company and with the coachbuilder throughout the process.