After an Accident - How Insurance Works

Getting the proper funds for speedy auto insurance shouldn't have to be so difficult, but these days a growing number of drivers find their insurance policies too confusing to navigate quickly. The simple fact is that money should be available to you immediately after the accident provided that you have documented and reported every aspect of what took place, but unfortunately a number of insurance carriers are notoriously truculent about auto repairs. Thankfully there are some simple ways to protect yourself against predatory tactics such as these and secure the auto repair funds you deserve.

What kind of insurance you have is the single greatest determinant in how much money you can expect from repairs. Depending on your deductible and the size of your coverage, you may be entitled to the full amount or simply a percentage. Other factors that can enter the equation include which driver was at fault, what kind of insurance he was carrying, whether you own collision or comprehensive coverage and how many claims you've made in the recent past.

The collision versus comprehensive coverage question is an important one if your car was damaged in an unusual circumstance. Most people find collision coverage adequate for the general damage that befalls and most vehicles, but the truth is that auto repairs can be necessary in a wide variety of circumstances. If you want additional protection from hail, storms, flooding and more, you may need to opt for a more expensive comprehensive coverage policy.

The key to getting paid promptly for your auto repairs is documentation. Get a copy of the police report, take photographic evidence and reconstruct everything about the accident as soon as possible if you want a higher standard of care. Mechanic estimates are often taken with a grain of salt as well, so you may want to look into auto repairs at a number of sources to ensure you've arrived at a realistic figure.

The good news is that responsible insurance companies will usually pay for your auto repairs with little difficulty. Stick with major carriers that have earned high marks from other drivers in your area and you can usually expect to have your auto repairs completed swiftly and affordably within a matter of weeks.