Here at Sebastian Insurance we want to make all the steps with insurance more comfortable. You know you can always call and rely on us to answer any of your questions to help you through easy or difficult situations. Insurance can be confusing and our agents will help you understand.
Something that we can help you through is when an accident happens, big or small, we are there to help guide you through the steps.
It happens to all of us at one point in our life or another. Here in Sebastian and Vero Beach we get the lovely summer thunder storms. 10 minutes of torrential down pours is all it takes for an accident to happen. Or maybe at a snug gas station someone pulls up a little too close. A shopping cart at Walmart decides to have a date with your brand new car. You can call us and we will guide you to get everything taken care of. One of the biggest headaches after an accident occurs is that your vehicle needs to be repaired and that all begins with an estimate.
Estimates are exactly that. Estimating the cost to safely repair your vehicle before you were in an accident. This can vary depending on labor rates, parts, and time to perform certain repairs. This breaks down to the initial estimate, supplemental and agreed price.
The first step after an accident is to get your car, motorcycle, or vessel to a repair shop. A claims representative though your insurance company prepares the initial estimate so repairs on your vehicle can start. They will guide you through the choices you have to fix your car. You can choose to let everything go through the company and they will handle everything for you, they will choose the shop for you. If you choose not to go that route you can bring your car to a repair shop in your network or to your favorite mechanic even if its out of the network.
When your vehicle is being repair there is a chance the mechanic may find additional damage. This is when your insurance company will step in to “re-inspect”. This is not unusual. When an accident happens somethings can not be seen during the original estimate, they cannot be physically seen from the outside. If this occurs your representative and auto shop will review the damage again together and make changes as needed for an appropriate estimate.
Insurance companies write estimates based upon parts and labor cost for the repair of the vehicle. If for some reason the mechanic who fixed the car has a higher rate than your representative has come up with they will discuss the difference and work on a fair agreement. Having the insurance company there to keep you informed of all the repairs every step of the way to keep you stress free. Having an accident is enough so you don’t need to worry about anything else.
The most important part is that everyone is safe and healthy after an accident. We are also there for you if you not only your vehicle was hurt.
Contact us if you would like more information of the Repair Process.
Article by Megz Montalvan