What Happens If I Auto Insurance Claims Are Disputed?

Auto insurance claims adjusters who operate for individual insurance providers are usually hired to initially investigate vehicle claims. Think of a detective who must fact-check each component of a case to establish who is at fault and also prevent instances of fraudulent activity. The same principle applies in the world of auto insurance claims processing. A claim adjuster is required by law to accurately determine all relevant information pertinent to a vehicle claim. These professionals are also heavily educated in vehicle policy, law and regulations. They will use all the information they have uncovered to efficiently process your claim.

The main objective of auto insurance claims adjusters is to ensure that you receive the full amount you are entitled to, and that you don’t receive less than the fair market value of your vehicle. These professionals make their work easy by having access to databases and information that would normally be unavailable to them. They are frequently called upon to make analyses of a number of factors when filing a car insurance claim. They may determine if an accident was truly caused by the insured’s negligence or if another driver or party was at fault.

An example of one of these factors is metromile. If your car insurance claim includes a metromile damage, the company will have a checklist of required repairs. They need to determine if the damage was caused by a non-approved method, such as undercarriage fly-by-night wiring. They need to make sure that the repair shops listed in your policy are legitimate contractors and not fraudsters who are only after your money. For example, it’s illegal to place metromile stickers on cars without proper authorization.

Another factor that is examined during a car insurance claim may include the vehicle’s mechanical condition. The claims adjuster needs to find out if the car suffered any visible damage during the accident and if the extent of the damage is consistent with the way it was handled throughout the vehicle’s life. The auto repair shop may need to perform diagnostic testing and/or video inspection to make certain. If the extent of the damage is consistent with how it was handled throughout the vehicle’s life, the coverage can be continued.

If neither of these checks out, the auto insurance claims adjuster will send you a settlement proposal. If you accept the settlement offer, it becomes public record. Your insurance company will also be required by law to post this information on its website and to keep it up-to-date at all times. This settlement offer will be contingent upon the extent of the claim.

You may ask, “What happens to my other coverage if I accept the settlement offer?” The settlement offer is the settlement amount in full. The remaining claim may be settled with the amount of the settlement offer, unless you object. It’s important to remember that your collision or comprehensive coverage won’t be discontinued until the vehicle is paid for. Your insurance coverage will continue until your vehicle is paid for in full.

Author: Trimwell