If you've ever had to file a claim for your car insurance, you know that the process can be frustrating and time-consuming. In this blog post, Gosch Collision will walk you through the steps of negotiating with your car insurance company after a total loss. So, keep reading whether your car has been totaled in an accident or stolen!
A Few Things to Keep in Mind!
Never accept the first offer you receive from an insurance company, especially if your car is totaled. The insurance adjuster's initial offer is usually much lower than what you're owed.
Remember that the insurance company will also deduct the value of your deductible from their offer. So, if you have a $500 deductible and the insurance company offers you $5,000 for your totaled car, you'll only end up with $4,500 after the deductible is deducted.
1. Get Multiple Quotes
Getting multiple quotes from different auto body shops is essential when dealing with a total loss. By getting quotes, you can get a better idea of the actual value of your car.
If the insurance company's offer is significantly lower than the quotes you've received, you can use those quotes to negotiate a higher settlement.
2. Document Everything
Ensure all documentation related to your cars, such as repair bills, purchase documents, and appraisals. This documentation will be useful in negotiations with the insurance company.
3. Know Your State's Laws
Each state has different laws when it comes to auto insurance. Knowing your state's laws is important to understand your rights and what you're entitled to.
If you get into an accident in California, state law requires you to be able to select a repair shop of your own choice. An insurer cannot compel, persuade, advise, or suggest that your vehicle be handled at a particular shop unless you ask for one.
4. Understand the Insurance Company's Process
It's important to understand how the insurance company calculates the value of your car. This way, you can better negotiate a fair settlement.
5. Hire An Attorney
An attorney can help you navigate the legal process and ensure you get the compensation you deserve. You will have to hire an attorney if you cannot reach a fair settlement with the insurance company.
If you're in an accident, don't let the insurance company choose the repair shop for you!
You have the right to select the repair facility in California of your choice, and we would be glad to help you at Gosch Collision, serving Murrieta, CA. We are a family-owned and operated business and take pride in our work.
We know it's stressful being in an accident, but you can trust us to take care of everything. We'll handle all the paperwork & communication with the insurance company so you can focus on getting back to your life. Plus, we offer a free rental car while your car is being repaired.