How to Survive a Car Insurance Claim Under Investigation


If you’ve been in an accident and/or your vehicle has recently been severely damaged (or at least damaged in a way that will cost more than your deductible to repair), one of the first things you did in the days that followed was probably filing a claim with your car insurance company. While you should pat yourself on the back for being a responsible adult and getting through this tough situation, unfortunately, the process of what comes next can be somewhat of a hassle.

After you file an insurance claim, you’re hoping to receive enough money from the insurance you’ve paid for to cover the costs of the accident or damage — sounds simple enough, right? Well, the insurance company is also trying to save as much money as possible and not pay you any more than they absolutely have to.

What Happens After You File
Once you’ve completed the process of filing a claim with your insurance company, a claims adjuster is usually assigned to your case. This person is an employee of the insurance company, and as such, they’re going to do as much work as is needed to pay you in a reasonable amount of time if your claim is legitimate and not pay you anything if it isn’t. This claims adjuster will likely review your policy and contract to see exactly what is covered under the plan you paid for and compare it to your claim. They may then contact you or your attorney for further details and to confirm the information contained in your original insurance claim.

If there was a serious accident, the adjuster may request a copy of the police report, contact witnesses listed, or even visit the scene of the accident. They will also likely ask you for photos of your car or in some cases inspect it for damages themselves. This is why it’s always a good idea to take photos of your car and/or the other car(s) involved in a collision as soon as you can after it happens.
  • Do I Need a Lawyer?
  • You’re Under Investigation — Be Smart on Social Media
  • Get Your Story Straight
  • When It’s Time to Pay Up
  • Bottom Line

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