What Do You Do During An Automobile Insurance Claim Inspection?

If your car is involved in an accident, you should contact the insurance company as soon as possible. The insurance agent will have to inspect the damage to the car, document it, and give you an estimation of the costs they will pay. If the vehicle is derivable, certain insurance providers can require you to take it to a repair shop for inspection.

You should consider specific facts about the inspection process that occurs when you request a claim. Knowing the following information will enable you to get the most out of your car insurance policy. Here are six essential facts to know:

1. Examine your automobile insurance

2. Do not use inactive car insurance

3. Take photographs and videos of the damaged vehicle

4. Avoid delays in notifying the insurance company

5. Answer the inspector’s questions honestly

6. Provide the inspector with all necessary documents

Examine your automobile insurance

In general, there are two kinds of auto insurance plans available in the United States. The third-party auto insurance policy and the comprehensive auto insurance policy are the two options. Third-party auto insurance covers all property harm, serious injury, or death caused to a third party due to a car crash. On the other hand, comprehensive coverage pays for the repairs of an insured car that has been robbed or damaged either by a collision.

The car inspector will first check the type of policy you have and then inspect your vehicle. ​You must know what kind of auto insurance policies you have before filing a claim.

Do not use inactive car insurance

Inactive car insurance will never give you covers. The inspector will closely review the contract papers and ensure that you have a valid insurance policy on the above agreement. In this case,  you must pay your monthly/annual premiums and renew your policy in time. It is beneficial to have an active insurance plan.

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Take photographs and videos of the damaged vehicle

If you were not seriously injured in the car crash, take as many pictures as you can of the affected vehicle from various angles. You should also record a video that clearly shows all of the damages. When you file the argument, this serves as critical evidence.

On the other hand, if the inspector is late at the accident site, the proofs can be lost. Your pictures and videos will be used as proof of court.

Avoid delays in notifying the insurance company

Notify the insurance policy as soon as possible after the auto crash. Otherwise, the outcomes will be negative. If you wait too long to notify them, the insurer will refuse to have any compensation for your car damage.

Answer the inspector’s questions honestly

The vehicle inspector can ask you several questions while the inspection is taking place. When answering the inspector’s questions, you should be completely honest.

Provide the inspector with all necessary documents

You must give the correct paperwork to an auto inspector as he arrives at the car accident/theft scene. Many car insurance companies allow online documents, so you can display those as well.

The inspector may ask for your driving license and proof of identification and the policy papers at the start of the inspection.