Does your insurance provider supply you with one of those apps that is supposed to make your life easier when you are involved in an accident? If so you may want to watch the video below. It seems that some insurance companies are avoiding certain steps and making you your own adjuster.
How Do Insurance Apps Work?
The photo app is the latest product that insurance companies are trumpeting. No different then the self-checkout at your nearest supermarket, these photo apps are basically dumping the responsibility right in your lap. When they should be sending a licensed adjuster to look at your damages, instead they are using your photos to put a price tag on your repairs and even cutting a check based on those images. The adjuster that is supposed to engage with your body shop in regards to your vehicles repair is totally cut out of the process.
The Problem With Insurance Photo Apps
Many times, the photo apps that are supposed to help you and fast track the insurance claims process can end up being very costly in the long run. It is impossible to fully tell the extent of a vehicles damages from a photo or a video. The average person isn’t trained on what damages to look for based on where the vehicle is hit. At least 90% of the time there is underlying damages that cannot be seen until the parts are removed from the vehicle.
The scary thing about this is that many consumers take the claims settlement based on the photos they sent in through the app. If you settle your claim this way, your essentially give up the ability to get a larger payout, even if it turns out that the repairs needed are more extensive and the cost is much higher once your body mechanic looks at it.
Know Your Auto Insurance Rights
Just because your insurance carrier provides you with these claims apps, it does not mean that you have to use them. You have every right to have an adjuster look at your vehicles damages and to negotiate your claim. Even more important, you also have the right to choose the body shop of your choice.
At Nigro’s Auto Body, we understand all the ins and outs of the claims process as well as what safe and quality repairs cost. Almost every day we encounter the tactics by insurance adjusters to lower claims. If you feel overwhelmed or intimidated by the claims process after an accident, call on us and we can be your advisors. Contact us to learn more about what we can do to help.
Does your insurance provider supply you with one of those apps that is supposed to make your life easier when you are involved in an accident? If so you may want to watch the video below. It seems that some insurance companies are avoiding certain steps and making you your own adjuster.How Do Insurance Apps Work?The photo app is the latest product that insurance companies are trumpeting. No different then the self-checkout at your nearest supermarket, these photo apps are basically dumping the responsibility right in your lap. When they should be sending a licensed adjuster to look at your damages, instead they are using your photos to put a price tag on your repairs and even cutting a check based on those images. The adjuster that is supposed to engage with your body shop in regards to your vehicles repair is totally cut out of the process.The Problem With Insurance Photo AppsMany times, the photo apps that are supposed to help you and fast track the insurance claims process can end up being very costly in the long run. It is impossible to fully tell the extent of a vehicles damages from a photo or a video. The average person isn’t trained on what damages to look for based on where the vehicle is hit. At least 90% of the time there is underlying damages that cannot be seen until the parts are removed from the vehicle. The scary thing about this is that many consumers take the claims settlement based on the photos they sent in through the app. If you settle your claim this way, your essentially give up the ability to get a larger payout, even if it turns out that the repairs needed are more extensive and the cost is much higher once your body mechanic looks at it.Know Your Auto Insurance RightsJust because your insurance carrier provides you with these claims apps, it does not mean that you have to use them. You have every right to have an adjuster look at your vehicles damages and to negotiate your claim. Even more important, you also have the right to choose the body shop of your choice.At Nigro’s Auto Body, we understand all the ins and outs of the claims process as well as what safe and quality repairs cost. Almost every day we encounter the tactics by insurance adjusters to lower claims. If you feel overwhelmed or intimidated by the claims process after an accident, call on us and we can be your advisors. Contact us to learn more about what we can do to help.
Posted by Nigro's Auto Body on Tuesday, November 5, 2019
