Being in a car accident is a scary thought. What is even scarier is dealing with the cost afterwards. It can be a nightmare to handle insurance companies if you do not know what you are doing. Here are the greatest tips for dealing with the costs of a car accident.
Stay Away From “Betterment”
See,one of the ways your insurance company will bring up your costs is “betterment.” Let us say your car is an old model. In that case,the insurance adjuster may claim that new parts will be required to repair it,thus increasing the value of your car after the accident.
While this might sound good initially,you have to realize that they will be charging you for the extra value. They may even cut back on their payments in proportion to the value increase. To fight back against this charge,you need to get testimonies from your car mechanic that this is simply not the case. By doing this,you will reduce the cost of the car accident by a massive margin.
Dealing with a Write Off
Sometimes car accidents can be massive,causing extensive damage to your car. In that case,your car may be written off as a total loss by the insurance company; they will argue that the cost of repairs will be far higher than the cost of simply buying a new car. This varies from state to state.
If that is the case,you will need to negotiate with your claims adjuster. A good starting point will be to educate yourself,looking up information that is relevant for your state. See if their appraisal is correct,and if not,then definitely contest it.
It is easy to see that dealing with the cost of a car accident can be quite difficult. Hopefully,these tips will help you keep the costs down. If you aren’t sure what to do next,contact the best- you can find.