More insurance companies are expediting the claims process via instant insurance photo estimates. All you have to do is take a photo of the damage and submit it to the agency. A few weeks later, you get a check in the mail. Is this process reliable, or are you being low-balled?
The Truth About Insurance Photo Estimates
We don’t question that photo estimates are convenient and a time saver. This cuts down on a lot of logistics for both the insured driver and insurance agency. Some companies even have their own crash claim app.
You should definitely take photos of all collision damage, including minor dents and auto paint scratches. However, according to insurance data, two out of three claims are underpaid if claims are resolved within 48 hours. The odds increase with sole reliance on photo estimates.
What Should You Do Instead?
On top of the photos, you should also bring your car to a collision repair center. This way, a technician can examine the damage up close to determine a far more accurate estimate. Photos alone often do not capture hidden damage. As a result, the insurance provider may only pay for what appears to be cosmetic damage. In reality, the vehicle may also have incurred damage that affects its crumple zone. You now have to send a corrected claim, which creates more hassle.
As a rule of thumb, only use photo estimates for minor fender benders. If the collision results in bodily injury or if fault is not certain, then take the vehicle to a service center.
Let a Technician Examine the Damage
Take your car to Doug’s Auto Collison Center after an accident. We know this is an extra step you would rather not deal with. However, by relying solely on an insurance photo estimate, you run the risk of receiving an inaccurate statement.
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