Following the occurrence of a collision, obtaining reimbursement for property damage should not be the top priority of those that have felt the other vehicle’s impact. Unless severely injured, those individuals need to take part in the exchange of drivers’ names and contact information, plus details on each driver’s insurance.
The same persons should take photographs, in order to document the scene. Then, each involved person should receive a medical evaluation. Only then should their time and effort become focused on any recognized property damage.
Steps to take before contacting insurance
Start collecting repair estimates. Speak with different mechanics and technicians at car repair shops. Understand that the insurance adjuster is probably conducting his or her own investigation.
The estimate obtained by the adjuster does not have to be the final say, regarding the repair costs. Adjusters do not have time to get more than on estimate. The adjuster’s single estimate does not hold as much weight as 2 or 3 estimates, with each one from a different location.
How much say do adjusters have?
Adjusters hope to determine how much money each assigned claimant receives. Still, an adjuster puts the insurance company at risk, if he or she tries to exercise any delaying or blocking tactics.
For instance, a claimant might not wait patiently, if an adjuster’s response to the claimant’s demand letter has not been received more than one month after that demand had been sent. Claimants that find themselves in such a situation have good reason to file a lawsuit, in order to sue the insurance company.
When else would a claimant have grounds for filing a lawsuit?
A demand for reimbursement of property damage might lead to initiation of a lawsuit, if an insurer had insisted that the driver of the impacted vehicle was somehow partly responsible for the damage that was suffered by a third vehicle.
Other situations would probably stem from an insurance company’s failure to provide adequate coverage of a claimant’s medical expenses. For example, the accident-related injury might have forced the claimant to depend on long-term care. Alternately, it could be that the claimant’s long recovery had resulted in extreme wage loss.
An insurance policy is supposed to protect the policyholder from an unexpected financial burden. That is why any policyholders that might be saddled with such a burden would have at least, some basis for suing the unreliable insurance company.
A personal injury lawyer in Northbrook knows that the adjusters always study claimants’ evidence. Those with good evidence are less apt to get disappointed by an adjuster’s response to a demand letter. In other words, good evidence should help an adjuster to respond within a reasonable amount of time to the demand letter that has come from a particular claimant.