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Being involved in an auto accident is probably the most stressful situation a driver can face. And this isn’t just because of the damage to the car: For many people, the prospect of dealing with the insurance company, which will require you to file a claim and ask approval for auto body repairs, is also rather unpleasant. Fortunately, it doesn’t have to be, especially if you know exactly what to expect when it comes to dealing with your car insurance provider.

3 Things to Know About Car Insurance & Auto Body Repairs

1. Report the Incident Within Seven Days

It’s ideal to contact your insurance company as soon as possible. If you’re unable to report the collision on the day of the accident, you need to tell them within seven days, regardless of who is at fault. Otherwise, the insurer might not honor your claim. Provide essential information, such as the location and time of the accident, a basic description of the collision, the severity of the damage, and the insurance and contact information of those involved.

2. Be Aware Fault Assessment Is Not a Simple Matter

After you report the accident, a claims adjuster will conduct an assessment to decide who’s at fault. Insurance companies abide by fault determination rules to provide clients with prompt claims handling. The claims adjuster will first weigh the statements of all the parties involved in the accident. Then, they will determine fault, explain the coverage, and guide you through the claims process. In many states, a driver can be found partially at fault.

3. The Insurer Will Instruct You About Repairs

auto body repairsMost insurance companies authorize repairs only after the claims adjuster’s inspection is complete. The only exception is when delaying repairs can cause further damage to the vehicle. Although your insurer will recommend an auto body repair shop, you don’t have to take their suggestion. At Miracle Workers Auto Collision Center we work with all insurance companies, but we work with you – the customer. Don’t let insurance companies tell you where you have to take your vehicle to be repaired. By Nebraska law, you have the right to choose where you want your vehicle repaired. Nebraska law also states that you only need one estimate from the shop of your choice. 

If you’ve been in an accident in the Lincoln, NE, area and require quality auto body repairs at a shop that will help you work with your insurance provider, no matter which one it is, turn to Miracle Workers Auto Collision Center. They provide a wide range of repair services, including unibody frame repair, dent removal, and auto body painting. Call (402) 474-7355 for more information. You can also visit their website for a complete list of their services.

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