Your insurance company’s smartphone app may be a convenient tool, but it does change the way claims are handled. If you plan to submit your body shop work claim through an app, keep the following considerations in mind. Approaching the process wisely will help you get the full repair covered.

Guide to Auto Claim Filing on an App

1. File Promptly

Read a complete copy of your current auto policy all the way through. This tells you what your rights are in the claim process, such as what will be covered and what limitations or rules there may be. File your claim as soon as you can—preferably the day of the accident—because if you delay, your insurance company may use that as grounds to deny your claim.

2. Get a Body Shop Estimate

Go to one high-quality body shop and get an estimate for all the work required to restore your car. Send this estimate to your insurance company. Don’t wait to get your estimate or go to lower-quality shops to shop around, as your insurance company could use these mistakes as an excuse to reduce your check amount.

3. Don’t Settle

Your adjuster will likely try to rush you into a settlement. Know what your rights are under your policy and don’t accept a check for less. Beware of release or waiver forms as well as checks that have words such as “final,” “settlement,” or “full” on them.

When you’ve been in an accident, OHS’ Body Shop makes it easy to file your claim and restore your car. These collision repair specialists have convenient shops in Whitefish, Columbia Falls, Polson, and Kalispell, MT. Their mechanics are both ASE®-certified and I-Car® Gold Class professionals for work ranging from bumper repair to auto painting. Learn more on their website and call the Kalispell body shop at (406) 752-8202 to request your free estimate.