Do you know about - My Car Has Hail Damage, Now What?
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So your car got hit by hail now what do you do? If you've ever had your car damaged by a hail you know it can be a very frustrating and high-priced experience. Well if you have full coverage insurance on your car it doesn't have to be frustrating or expensive. Often citizen don't understand how to properly use there insurance coverage and are even afraid to claim the damage for fear that their rates will go up. This is a base fear but let me assure you a full, claim such as hail damage doesn't not raise your rates. In fact, if you don't claim the damage and have it repaired you risk having any future claims being denied because of unrelated pre-existing damage.
What I said. It isn't outcome that the true about Car Insurance. You see this article for information on anyone want to know is Car Insurance.How is My Car Has Hail Damage, Now What?
The first thing you should do is call your insurance business and file a claim. Make sure you write your claim estimate down and it is all the time a good idea to ask the name of everyone you talk to and adjuster being assigned to your claim. The next step is the preliminary inspection or the "estimate." Some insurance fellowships will ask you to go out get three estimates and hen fax them in. If your insurance business asks you to jump straight through these hoops just politely say No. Ask where you need to go to have "them," write "their," estimate. Thats it, do not waste your time driving nearby getting complicated estimates because in the end your insurance business is just going to use those estimates as a beginning point and write their own anyway.
An assessment means just that. It is an assessment of how much money and what the insurance business thinks it will take to fix your car. It is very leading that you clean your car before having it inspected because you wont get paid for dents the appraiser can't see. Secondly it is very leading that you are as nice and as accommodating to the appraiser as you can be. It will do you no good to argue with or be rude to the someone deciding how much money your going to get to have your car repaired.
Often times when there's a large storm event the insurance fellowships are overloaded with claims and the have to outsource to independent assessment services to help write all the claims that are pouring in. This is generally referred to as a catastrophe team or "cat team." Now I don't think I have to tell you that these very busy appraiser's are going to fly straight through your assessment as fast as they can and will probably miss a bunch of things. You may think your assessment looks a itsybitsy low. In my line of work 90% of the estimates are written low. I've seen estimates for 00 on a car that had over 00 in damage. Don't worry that assessment is not the final word it is merely a beginning point. Unfortunately many citizen pick to keep they're insurance money and never get their car fix. Some citizen even wait nearby til it hails again nearby and try to claim the un-repaired damage again. The insurance fellowships lose millions of dollars every year to fraudulent claims. It is impossible for them to keep track of every claim and they can't force you to get your car fixed. The only way the insurance fellowships can combat this is by writing their preliminary estimates a itsybitsy on the lighter side. I've had many appraisers tell me that their business precisely trains them to feel the customer out and if they think they probably wont have their car repaired to write the assessment for as itsybitsy as possible. Obviously if you have a brand new Bmw your going to get it fixed but if you a 1984 Toyota Corolla with 350,000 miles on it you are probably going to keep the money, right?
The next step is to find a business to fix your dents. If you have large dents with paint damage and broken windows you will probably need to find a full aid body shop. If you have mostly quarter sized dents and the damage is just superficial then Pdr is the best option. Pdr, or paintless dent fix is a fix formula in which the dents can be gradually massaged out and the original installation end is left undisturbed. A good Pdr shop can make your car look exactly like it did before the hail damage. Most dent's half dollar sized or smaller can be removed fairly precisely and quickly. In a perfect scenario your car could be repaired in as itsybitsy as a few hours. Well, the world is not perfect and depending on your insurance company's original assessment it may take any days to get an appraiser to come back out and re-write their estimate. This process is known as a Supplement. Commonly on the back page of your assessment there are education for filling a supplement. The insurance business knows that if a pro fix installation is doing the fix then they are going to catch all the dents that were missed and ask to be paid for every last itsybitsy bolt or clip that has to be removed. This is proper procedure and most insurers precisely have a supplement hot line that body shops can call to have an appraiser sent out to the shop.
Some insurance fellowships send an appraiser out right away while other fellowships can take 7-10 days. I won't get into which fellowships are the worst but I will say that Progressive and Farmers are top notch! This is not a paid endorsement it's just the painfully definite truth. If I call farmers they are at my shop the next morning every time even though their procedure is within 48 hours. Progressive is almost as fast within 48 hours usually. Some of the other fellowships won't tell you when there advent and your at their mercy. This is Commonly the longest delay in the fix process but it is the most important. Often times we get twice as much money as the original estimate. This is very leading because without this supplementary money you may get a shop to do a perfect fix or worse you may have to pay money out of pocket.
The next issue is "deductibles." You have a covenant with your insurance business that you will pay the first 0, 00, or whatever your deductible is, towards the fix of your vehicle. This money is all the time deducted out of the check your insurance business gives you and they leave it up to you to pay it or find a business that will fix it for less. Essentially any business that repairs your car without requiring you to pay a deductible is giving you a "discount." This is completely legal and in fact most Pdr fellowships will not require you to pay your deductible. Make sure you get any promises made to you in writing. I also recommend you get an estimated length of fix time. At my shop we all the time provide a customer with a written quote of the exact estimate due for the fix or we give the customer a guarantee in writing that we will perfect the fix for the negotiated estimate the insurance business issues payment for. If we file a supplement it is expressed that we earned that money in increasing to the original estimate. It is very leading that you have written proof that you as the customer will not have to pay more than "x" estimate of dollars when your car fix is completed. If a shop is unwilling to put their promises in writing then you need to find a new shop.
Once you find your fix shop or Pdr business it is leading that you know where the shop is and meet the owner or manager. I know this sound's weird but a large majority of our customers never come to my shop and meet me. Often they are approached by one of my sales personnel and they let them pick the car up and then deliver back to them when it is ended without ever advent to my shop. This is great for me but it is very scary to think how precisely citizen just hand over their keys and insurance checks. I all the time recommend to my salesmen that they recommend to their customer that they at least come out to our shop so they know where their car will be. It is also a good idea to ask for references. Often times we have repaired other cars in the neighborhood and have satisfied customers just down the street. Also you should check out a fellowships website if they don't have one or it is poorly put together that may be an indicator that the business doesn't pay much attention to detail. For a business to not have a website today is almost inexcusable! You may also call the local great business bureau. Even if a business is not a member the Bbb will still field complaints and keep files on fellowships that receive complaints. Also check with your insurer. The will have files on fellowships that have had complaints or are suspected of fraudulent activities.
In conclusion Pdr is surely a great alternative to original body repair, and with a itsybitsy explore and due diligence the mean someone can navigate the claims process and find a great shop to fix their car for itsybitsy or no money out of pocket!
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