The aftermath of a car crash is stressful. Dealing with the insurance company? That’s a whole other headache you could do without. Here, one question that often comes up is whether you should get your car repaired before or after filing a claim.
And while it may seem like common sense to first get an estimate, it’s usually wiser to file your claim before anything else. As such, if you or a loved one has been involved in a car accident, it’s extremely important that you have qualified legal representation at your side.
At Schwartzapfel Lawyers, we bring more than (150) years of combined experience to the negotiating table. Let us guide you and your loved ones in getting all the financial compensation you deserve. Connect with us online or by calling 516-342-2200 today. Alternatively, please continue reading.
What Is The Car Insurance Claims Process?
The claims process typically goes like this: First, you report the accident to your insurance company. You’ll either file a claim under your own collision coverage or against the at-fault driver’s insurance.
Reporting the accident is important, even if the damage appears minor. Next, you’ll get a repair estimate. Your insurance company might suggest a few shops, but you’re free to choose your own.
Sometimes, an insurance adjuster might want to inspect the damage, too. Finally, the insurance company either pays the repair shop directly or sends you a check. If you get a check, you can spend it however you like — you’re not required to use it for repairs.
Not sure what to do after a car crash? Call the experienced New York car accident lawyers of Schwartzapfel Lawyers at 516-342-2200 for a free consultation now.
Why Should You File A Claim First?
So, why should you file a claim before getting an estimate? There are a few notable reasons worth considering. Take the following into account:
Insurance Company Involvement
Insurance companies prefer to be involved in the repair process early on. This precaution helps them confirm the estimate is accurate and protects them against fraud. By filing first, you kick-start their process, which may include sending out an adjuster to assess the damage.
Potential for Quicker Resolution
Filing first can also speed up the process. Think of it like this: You’re giving the insurance company a head start on processing your claim. Some insurers even have special procedures for claims filed before an estimate is obtained, making everything move faster.
Avoiding Disputes
Finally, filing first can save you some back-and-forth. If you get an estimate before filing, you might find yourself arguing with the insurance company about how much the repairs should cost. By letting the insurance company assess the damage first, you’re less likely to run into disagreements down the line.
When Should You Get An Estimate First?
While filing a claim first is usually the best move, there are a couple of scenarios where getting an estimate first might make sense.
Deciding Whether To File A Claim
If you’re staring at a dented fender or a scraped bumper, you might be wondering if it’s even worth filing a claim. This is where an estimate comes in handy.
It gives you a ballpark idea of the repair costs, helping you decide if it makes financial sense to involve your insurance company. If the damage seems minor and the repair costs are likely to be lower than your deductible, you might choose to pay out of pocket and skip the claim altogether.
However, don’t let a seemingly small dent fool you. There could be hidden damage lurking beneath the surface. Even if you decide not to file a claim right away, it’s crucial to inform your insurance company about the accident. You never know when a minor issue might turn into a bigger problem down the road.
Disputes With The Insurance Company
Even after filing a claim, you might hit a roadblock with your insurance company. Maybe they’re lowballing you on the repair estimate or dragging their feet on approving the repairs. In these frustrating situations, getting an independent estimate from a reputable repair shop can be your secret weapon.
Think of it like this: You’re getting a second opinion on your car’s injuries. This independent estimate can give you leverage in negotiations with the insurance company.
It shows them that you’ve done your homework and won’t accept a subpar settlement. However, dealing with insurance companies can be tricky, so it’s always wise to have an experienced attorney by your side. They can help you manage these disputes and ensure you receive a fair outcome.
Remember, every car accident is unique. And while these are general guidelines, the best course of action for you will depend on the specifics of your case as well as your personal needs. To this end, when in doubt, you shouldn’t hesitate to seek professional legal advice. Here, the highly skilled attorneys at Schwartzapfel Lawyerscan help you assess your situation and guide you through the process, from beginning to end.
How Can You Get A Repair Estimate?
Getting an estimate for vehicle repair is pretty straightforward, but you still want to be prepared. Here’s what to know to ensure a smooth process and quality repairs:
Choose a Reputable Shop
First, pick a repair shop with a solid reputation. Ask around for recommendations, read online reviews, and check if the shop is licensed and certified.
You don’t want to trust your car with just anyone. An experienced shop should do a high-quality job and be able to spot any hidden damage that a less experienced shop might miss.
Don’t be tempted by the lowest estimate. A suspiciously low estimate could mean the shop is cutting corners on parts or labor. Quality repairs require quality work, and that usually comes at a fair price.
Get Multiple Estimates
For any claim, you should always get an estimate from at least two different, reputable shops. This practice allows you to compare prices and make sure you’re getting a fair deal. It’s also a helpful habit in case your insurance company requires multiple estimates as part of their claims process.
Document The Damage
Before you hand over your car keys, document the damage. Take clear photos and videos of all the damage, both inside and outside the vehicle. This serves as a record of the condition of your car before the repairs and can be helpful if any disputes arise later with the insurance company or the repair shop.
Review The Estimate Carefully
Don’t be afraid to ask questions about the estimate. An itemized estimate should clearly break down the cost of parts, labor, and taxes. If anything seems unclear or unreasonable, don’t hesitate to ask for clarification. A reputable shop should be happy to explain their plan in detail.
Be Aware Of Lowball Estimates
Your insurance company might recommend a repair shop that offers a surprisingly low estimate. Proceed with caution. These shops may have agreements with insurance companies to provide lower estimates in exchange for referrals.
However, this doesn’t guarantee quality work. Always get independent estimates from shops you trust to make an informed decision.
Remember, your goal is to get your car repaired properly and back on the road as soon as possible. By following these tips, you can face the repair estimate process with confidence and ensure that your vehicle receives the attention it deserves.
Why Is Skilled Legal Representation So Important?
Dealing with car insurance claims can be dizzying. That’s where a seasoned car accident attorney can be your trusted guide. They understand the ins and outs of the process, from filing the initial claim to negotiating with the insurance company.
Still, be aware that negotiating with insurance companies is no walk in the park. They have teams of skilled lawyers working for them, all trained to protect their bottom line. You deserve the same level of experience on your side.
A qualified attorney will fight for your rights and make sure you receive the compensation and benefits you’re entitled to. Plus, they’ll handle all the important aspects like paperwork, evidence, and building a strong case for you. Perhaps most importantly, having a qualified attorney means you can focus on your recovery if you’ve experienced an injury.
Please don’t go it alone, not when you don’t have to. Instead, call the qualified New York car accident lawyers of Schwartzapfel Lawyers at 516-342-2200 for a free consultation and so much more. Allow our award-winning team to handle the legal battle while you focus on what’s most important: getting better.
Call Schwartzapfel Lawyers Now!
In most cases, filing an insurance claim before getting your car repaired is the way to go. It sets the claims process in motion, potentially speeding things up and preventing disagreements down the road. Remember, when it comes to repair estimates, choose a reputable shop, get multiple estimates, and document the damage thoroughly.
Moreover, if you find yourself facing challenges with the insurance company or the repair process in general, you shouldn’t hesitate to seek out the legal help you need. The seasoned attorneys at Schwartzapfel Lawyers are here to fight for your rights and ensure you get all the money and benefits you deserve.
Call us now at 516-342-2200 or schedule your free consultation online today. No matter your situation, it will be our honor and privilege to fight — and win! — for you.
DISCLAIMER: Nothing on this page should be considered legal advice. You should seek the appropriate counsel your situation requires. For more information, call 516-342-2200 now!
Sources:
Schwartzapfel Lawyers, P.C. | Fighting For You
What to Do After a Minor Car Accident | Progressive
Filing Claims Under Your Own Policy | Department of Financial Services
What Is Loss Assessment Coverage? | Progressive
Motor Vehicle – Introduction – Injury Facts | National Safety Council
