Insurance process for your car
Car accidents. We’ve all had some experience in anything from fender benders and minor collisions to major accidents. After making sure everyone is ok, our first call is usually to our auto insurance company. We create a claim and wait to hear where we should take our car and what our insurance will end up covering. If you’re like many people, you’ve spoken with your agent before, but you probably don’t have much of an idea of what goes on with the other side of the insurance claim at the auto body shop. Here’s a quick breakdown for how insurance communicates with everyone including auto body shops to get the job done and get your car
back on the road!
Insurance checks the car damage and recommends where to go
The first thing insurance does is file your claim and speak with the other driver (if someone else was involved). This helps them determine who was at fault, if anyone. Sometimes if the accident was weather related, it is not anyone’s fault but mother nature. In Indian Head Maryland, we always advice keeping a sharp eye out for deer and other wildlife. Insurance might also talk to the witnesses listed and even visit the accident scene. Insurance could send someone out to inspect the damage done to your vehicle and take some photos. Then they will let you know where to take your vehicle to get it fixed. You can also seek out an alternative place. Charles County Auto Body, for example, prides itself on being a more affordable alternative to dealerships.
Insurance checks your personal damage
Hopefully you won’t be dealing with any major medical issues as a result of your accident. In some cases, however, you will want to be on the safe side and either go to the hospital or schedule a visit to your doctor. Your insurance company will likely have you sign a medical release form to view your medical records. Insurance will determine what, if any medical issues arose as a result of the accident. They may also directly contact your medical providers to determine the cost of medical treatment.
For the auto body shop
The very first issue to address is how to get your vehicle to the shop. In the case of Charles County Auto Body, we have 24-hour towing and emergency roadside assistance for Charles County and Southern Maryland. This can be good to note because it does not just apply to accidents. If your car is stuck in the mud, snow, or ice, we can give you a hand at any hour of the day, which sometimes can save you further damage from having your vehicle sitting outside overnight. In the case of accidents, however, the technician at the body shop will receive an estimate from your insurance carrier. Your carrier will relate the damages and the body shop will communicate with them to ensure all damage from the accident to your vehicle is addressed. At Charles County Auto Body, we use the most current diagnostic equipment available, including original factory equipment. If the car isn’t determined to be totaled (the cost of the fix is more than the cost of your car), the Body shop will then repair your vehicle. They will also usually take the time to repaint and detail the area of your car that has been affected by the accident. At Charles County Auto Body, we make it our mission to get your car back on the road in less time than it takes other shops to simply figure out what’s wrong!
If you find yourself wondering how all this works, don’t hesitate to ask questions! Some common insurances that we work with are; USAA Insurance, ERIE Insurance, Nationwide Insurance, Allstate Insurance, and State Farm Insurance. If you have these or any others, Charles County Auto Body wants to make sure you are taken care of, and that doesn’t just mean your car. Believe me, we understand what a headache it can be to sort out all the details of an insurance claim. We want you to leave satisfied, and if that means you are confused, ask questions so we can clarify this process and make it as smooth as possible!