Claim Call
The insurance convention receives a phone from the insured Chauffeur and the other celebration. The representative takes down counsel approximately the accident, including the eternity and interval, the damage done, and the claimant's chronicle of what happened. The insurance business Testament accept the police Announcement unit and disposal it from the regional police to confirm the chestnut. This is an big ring as it Testament be used to assess if the accident was the wrongdoing of the insured or the other bash. When the disclose ring is received, the circumstances is entered into the insurer's manner and an adjuster is assigned.
Send an Adjuster
The adjuster calls back the insured to calendar a period and age To stay with the vehicle. Provided the vehivle can even be driven, the customer can bring it into the insurer's purpose to be looked at (and maybe repaired whether that utility is available). The adjuster evaluates the damage to the vehivle and gives the claimant an estimate for the damages. The adjuster must also make arrangements with the other party if there is speculation the accident was caused by the insured party. As an alternative, some insurance companies will allow the customer to bring the vehicle to an independently owned repair shop to get an estimate, but an adjuster will still need to approve the amount.
Process and Send a Check
The claim is processed with the new estimate information. The adjuster will most likely speak to each party involved and look over the police report before making a final decision on whether to release money on the claim. Once everything is approved, a check is mailed to the insured or the other party. If there is a deductible on the policy, the check will be the estimated repairs less the deductible. If the accident was the fault of the insurer's customer, the other party must be cut a check to cover damages besides.
Evaluate the Insured's Policy
After the accident claim is completed, the customer's auto insurance policy will be evaluated. The premium may be increased if it is determined the customer is an increased risk to protect the insurance company's interests.
If it is determined the insurance company's customer is at fault, the insurer will usually pay the judgment on the customer's behalf.
