Car accidents are quite common these days due to the increased number of vehicles, people’s careless attitude, busy life and so many other things. Sometimes, the vehicles involved in accidents are declared total loss.
If people are finding themselves in such a situation, there are a few things that they should remember for getting an accurate payment from their insurance providers. Chances are they may not like the initial offer made to them for their vehicles, so it is their job to help their insurance providers to give them the right payment. Read also: How you can get your claims process in your favor.
People need to know that they claim adjuster they are dealing with is also a human being. A lot of people tend to forget that this person is on their side and he or she would really want to be fair with them. Common courtesy and kindness can go long.
The claims representatives will be dealing with a lot of claims at the same time. It is a tedious job and they will really appreciate dealing with people who have some patience as well as understanding.
Been in a car accident? – This is what you can do
Nowadays, insurance providers don’t simply look at the value of the book of vehicles; the value of the book is generally never considered when they determine the value of vehicles. Since, claims adjusters shop online for cars to find what people could buy at present. So, people need to make a log of cars for sale which match their vehicles. Read also: What people can do when a car is declared total loss.
They can check on ecommerce sites and make a note of things such as price, mileage and model. This might sound hectic to some people; they can look for help on the internet. Claims adjusters might have loads of work to do, so they may tend to forget for adding in the features of people’s vehicles, or they may also pick a wrong car.
People should remember that this is not the claim adjusters’ intention. Since they work fast, they might make mistakes. So, people should tell them about things that may get overlooked, such as power seats, sun roof, disc changer, etc.
What determines the value of cars in total loss situations
If people have changed their tires recently, done an oil change or a tune up, they have to make sure their claims adjusters know about the same. The same rules needs to be applied if people have added any after-market stereo systems or rims.
The initial offer that they give people might not be reasonable, but people don’t have the compulsion to accept the offer right at the moment. Claims adjusters will break down such offers and give people detailed explanations of how they determined the value of the vehicles. Read also: What people can do after car accidents.
If it is not fair or right, people should let them know they want to take some time and research a little. If people are unable to get into an agreement, then they probably have to go to mediation. It is not going to be fun for dealing with insurance claims, at the same time it must not have to a bitter experience as well. If they remember important things and maintain a good attitude, they will be able to make a good claim.