We speak to hundreds of people each day that have been in an accident and want out of their vehicle. Nobody wants a wrecked vehicle even if its repaired perfectly. Your insurance company may tell you they are responsible to repair the car to "pre-accident" condition. That is the agreement they have with you, also referred to as your insurance policy or binder. But is it really possible to "restore" a vehicle to it's pre-accident condition? Not really. Even if the vehicle is repaired with surgical precision by human hands, there will be flaws and inconsistencies. The welds won't be done by the robots at the factory and the parts won't be dipped in zinchro-metal baths…Plus, the vehicle will have accident history and the value of your vehicle will never be what it was "pre-accident".
What can you do about it? Make the most of a bad situation and be informed before you agree to the repairs. Here are three things you can do to get the most out of your auto insurance claim:
- After the vehicle repair estimate is performed, ask for a digital copy via email along with the photos (images). That can be shared with other collision shops that may offer to repair the vehicle for less money. Additionally, you may find out that your insurance estimate is low and you are entitled to more money to get the vehicle repaired to "pre-accident" value!
- Get a cash offer for the damaged vehicle "as-is". You can call (888) 629-2137 or email the repair estimate to firstname.lastname@example.org and we will respond immediately with a buy price that includes us towing it away. It may make sense to keep the repair check and sell the wrecked vehicle "as-is".
- Remind your insurance adjuster that you are the customer. If you have been a loyal one, tell them for how many years you have been with their company and that next premium check you write will go to a competitor! You may get more cooperation if you let them know you plan to switch companies.
There are close to 70,000 accidents per annum on US Roads. Half of them have coverage and get repaired or totaled. Most people want "out" of their vehicle after a wreck, especially a bad one. Think about how many television ads you have to watch and how many of them are insurance companies vying for your business! Ask yourself if they would be doing that much advertising if their business was not profitable?
For additional information please call (888) 629-2137 to speak with a live agent. We do not charge for consultations.