If you have been involved in a car accident, you will likely spend a good amount of time speaking with your insurance company to settle your claim. Most of these conversations will be between you and an insurance adjuster.
An insurance adjuster is assigned by your insurance company, and plays a significant role in determining how much you will get paid towards your claim. Adjusters may interview you and any other drivers involved in the accident, as well as any witnesses who may have information regarding the circumstances of the event. Adjusters refer to police reports, accident reports, and any available photos. Although Florida is a no-fault state, the other party still may eventually sue for damages (or you may decide to pursue a case.)
What an Insurance Adjustor Considers
Adjusters determine the extent of damage to your vehicle, and make a final recommendation as to the claim amount the insurance company will pay. An adjuster may inspect the vehicle(s) himself. or may rely on estimates from an approved repair shop.
Here are some additional facts which may be useful for you to know:
- If the adjuster personally inspects the vehicle, be at the visual inspection if possible. This will allow you to point out damage they may miss. It is typically considered fraud to represent past damage as a result of the latest incident.
- If you will be getting an estimate from a certified auto repair shop, ask your insurance company if they have approved shops. Try to get at least two (and preferably 3) estimates in order to achieve the most accurate scope of the situation. Again, be sure that your insurance company approves of the shops, so that your estimate will be accepted.
- After reviewing the estimate, the adjuster will communicate the insurance company’s settlement offer to you. At this point you have the right to approve and accept the offer, or deny it if you disagree.
- Although insurance companies differ, generally your car will be considered a complete loss if it will take more than 50% of its market value to repair the car adequately. This is also known as the car being “totaled”. If the insurance adjustor determines your car to be a total loss, you will typically receive a payout equivalent to your car’s market value prior to the accident.
After a Car Accident
If you have been involved in a car accident, first make sure that everyone is safe, and move the car out of the way of traffic it at all possible. Call emergency services right away, in order to have a police report and to have any injuries – even minor ones – checked out.
You will want to exchange information with the other drivers involved in the accident. Although Florida is a no-fault state, there may need to be follow up with the other parties. If possible, take photos of the accident scene, including any details which may have contributed to the accidents. These may include potholes, broken streetlights, or wet roadways. The insurance adjustor will need as much information as possible regarding the details of the accident.
Whether you need a better rates, are wondering about reinstating a lapsed policy, or have questions regarding Florida minimum coverages – we are here to help. Anderson & Associates Insurance Group provides auto, life, health, home and business insurance to Palmetto, Sarasota and Bradenton area residents. How can we help you to obtain the coverage you need?
