After an auto accident, the usual process involves contacting your insurance company, waiting for a claims adjuster to inspect the damage, and then waiting even longer for the repairs to be completed at an auto body shop. But what if you could skip the middleman and send photos directly to your insurer, who would then review the damage and provide an estimate? Sounds convenient, right? However, as Connecticut’s Auto Body Association recently explained to FOX 61, this system isn’t without its risks.
While it may seem like a time-saver, there are several factors to consider before opting for a photo-based insurance claim. Here’s what you need to know:
**1. You Might Miss Hidden Damage**
Insurance companies often promote their photo systems as a fast way to file a claim, but they don’t always account for hidden or internal damage. Many drivers only submit photos of surface-level issues, such as dents or scratches, while overlooking more serious problems like bent frames, damaged electronics, or suspension issues. Driving in a vehicle with unaddressed damage can be dangerous.
**2. Repair Costs Can Skyrocket**
By the time a professional mechanic inspects your car, repair costs can increase significantly—sometimes by as much as five times the initial estimate. Some insurers will only cover the original estimate, leaving you to pay the difference. Others, like AllState, work directly with repair shops to assess additional damage and adjust the claim accordingly.
**3. It Works Best for Minor Damage**
Photo claims are generally more effective for small, visible issues, like a broken headlight or a cracked side mirror. However, filing a claim for these minor issues might not always be necessary. If the damage is minimal, it might be better to handle it out of pocket rather than go through the insurance process.
**4. More Insurers Are Offering This Option**
Companies like Essurance, AllState, and Metlife have started offering photo-based claims. If your carrier provides this service, you might receive a call about eligibility. Still, keep in mind that insurance adjusters are usually involved in some capacity, especially for more complex cases.
**5. Photos Can Be Useful in Legal Situations**
Even if you choose to use a photo claim, it’s always a good idea to take detailed photos of the accident scene. These can be valuable if your claim goes to court or if there’s a dispute over liability. When taking photos, make sure to:
- Capture the scene from multiple angles and distances.
- Include weather conditions, like snow, ice, or rain.
- Photograph all vehicles and property involved.
- Show skid marks, traffic signs, and any other relevant details.
If you’ve been in an accident, let DaSilva’s Auto Body inspect your vehicle first. We’ll provide a thorough assessment and perform the necessary repairs. Call us today to schedule an appointment or learn more about our services. Your safety and satisfaction are our top priorities.
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