According to the Auto Body Repair Industry relying just on your photos of your vehicle accident to make a claim with your insurance company could prove to drastically shortchange your final estimate. Especially if something is damaged under the vehicle and is not apparent in the photos.
According to insurance data, 2 out of 3 claims can be “underpaid” if the claims are paid within 48 hrs. In an “I want it now” world it may seem super convenient to have the freedom to simply submit photos via a cell phone to your insurance company to speed up the estimate so that you can gain your repair quickly.
Auto body experts across the Country are cautioning people to allow your Auto Body shop experienced technician to offer your insurance company a firm estimate to be certain that you are not owed more money than the insurance estimate given from submission of only photos.
According to a CNBC.com article instant insurance crash claim cell phone apps are becoming popular and allow you to take photos or video and simply instantaneously send to your insurance claims department:
“Insurers benefit, from, reduced costs of sending out adjusters to handle what turns out to be cosmetic damage, said Loretta Worters, a vice president at the Insurance Information Institute. "It helps to get the claims filed, and their resources are utilized where they're needed most," she said.
The article goes on to explain that the apps are for minor fender benders and any claim that involves an injury or fault that is not certain will likely involve further investigation. Another thing to take note of is your cell phone camera/video quality. Most insurance companies require superior quality photos.
So, yes, taking photos of your accident scene is important but it is not the end all. At Richards’ Collision Center, for example, we offer free estimates that we personally submit to your insurance company listing any other damages that the photos did not capture. This can significantly increase your estimate value thereby gaining your vehicle a proper and efficient repair.
We want to be sure that our customers and customers around the Country are receiving all the money that is owed for their collision repairs.
Learn more about this important subject at Body Shop News.