Do you know about - My Car Has Hail Damage, Now What?
Progressive Home Insurance! Again, for I know. Ready to share new things that are useful. You and your friends.So your car got hit by hail now what do you do? If you've ever had your vehicle damaged by a hail you know it can be a very frustrating and high-priced experience. Well if you have full coverage guarnatee on your car it doesn't have to be frustrating or expensive. Often population don't understand how to properly use there guarnatee coverage and are even afraid to claim the damage for fear that their rates will go up. This is a tasteless fear but let me assure you a broad claim such as hail damage doesn't not raise your rates. In fact, if you don't claim the damage and have it repaired you risk having any time to come claims being denied because of unrelated pre-existing damage.
What I said. It isn't outcome that the true about Progressive Home Insurance. You check out this article for facts about anyone need to know is Progressive Home Insurance.How is My Car Has Hail Damage, Now What?
The first thing you should do is call your guarnatee company and file a claim. Make sure you write your claim number down and it is always a good idea to ask the name of everyone you talk to and adjuster being assigned to your claim. The next step is the first inspection or the "estimate." Some guarnatee companies will ask you to go out get three estimates and hen fax them in. If your guarnatee company asks you to jump through these hoops just politely say No. Ask where you need to go to have "them," write "their," estimate. Thats it, do not waste your time driving nearby getting many estimates because in the end your guarnatee company is just going to use those estimates as a beginning point and write their own anyway.
An estimation means just that. It is an estimation of how much money and what the guarnatee company thinks it will take to heal your car. It is very important that you clean your car before having it inspected because you wont get paid for dents the appraiser can't see. Secondly it is extremely important that you are as nice and as accommodating to the appraiser as you can be. It will do you no good to argue with or be rude to the person deciding how much money your going to get to have your car repaired.
Often times when there's a large storm event the guarnatee companies are overloaded with claims and the have to outsource to independent estimation services to help write all the claims that are pouring in. This is generally referred to as a catastrophe team or "cat team." Now I don't think I have to tell you that these very busy appraiser's are going to fly through your estimation as fast as they can and will probably miss a bunch of things. You may think your estimation looks a minuscule low. In my line of work 90% of the estimates are written low. I've seen estimates for 00 on a car that had over 00 in damage. Don't worry that estimation is not the final word it is merely a beginning point. Unfortunately many population select to keep they're guarnatee money and never get their car fix. Some population even wait nearby til it hails again nearby and try to claim the un-repaired damage again. The guarnatee companies lose millions of dollars every year to fraudulent claims. It is impossible for them to keep track of every claim and they can't force you to get your car fixed. The only way the guarnatee companies can combat this is by writing their first estimates a minuscule on the lighter side. I've had many appraisers tell me that their company well trains them to feel the customer out and if they think they probably wont have their car repaired to write the estimation for as minuscule as possible. Obviously if you have a brand new Bmw your going to get it fixed but if you a 1984 Toyota Corolla with 350,000 miles on it you are probably going to keep the money, right?
The next step is to find a company to heal your dents. If you have large dents with paint damage and broken windows you will probably need to find a full assistance body shop. If you have mostly quarter sized dents and the damage is just superficial then Pdr is the best option. Pdr, or paintless dent heal is a heal method in which the dents can be slowly massaged out and the primary installation cease is left undisturbed. A good Pdr shop can make your car look exactly like it did before the hail damage. Most dent's half dollar sized or smaller can be removed fairly well and quickly. In a perfect scenario your car could be repaired in as minuscule as a few hours. Well, the world is not perfect and depending on your guarnatee company's primary estimation it may take any days to get an appraiser to come back out and re-write their estimate. This process is known as a Supplement. Commonly on the back page of your estimation there are instruction for filling a supplement. The guarnatee company knows that if a professional heal installation is doing the heal then they are going to catch all the dents that were missed and ask to be paid for every last minuscule bolt or clip that has to be removed. This is approved policy and most insurers well have a supplement hot line that body shops can call to have an appraiser sent out to the shop.
Some guarnatee companies send an appraiser out right away while other companies can take 7-10 days. I won't get into which companies are the worst but I will say that Progressive and Farmers are top notch! This is not a paid endorsement it's just the painfully definite truth. If I call farmers they are at my shop the next morning every time even though their policy is within 48 hours. Progressive is practically as fast within 48 hours usually. Some of the other companies won't tell you when there coming and your at their mercy. This is Commonly the longest delay in the heal process but it is the most important. Often times we get twice as much money as the primary estimate. This is very important because without this additional money you may get a shop to do a perfect heal or worse you may have to pay money out of pocket.
The next issue is "deductibles." You have a covenant with your guarnatee company that you will pay the first 0, 00, or anyone your deductible is, towards the heal of your vehicle. This money is always deducted out of the check your guarnatee company gives you and they leave it up to you to pay it or find a company that will fix it for less. Essentially any company that repairs your vehicle without requiring you to pay a deductible is giving you a "discount." This is wholly legal and in fact most Pdr companies will not need you to pay your deductible. Make sure you get any promises made to you in writing. I also advise you get an estimated length of heal time. At my shop we always contribute a customer with a written quote of the exact number due for the heal or we give the customer a guarantee in writing that we will perfect the heal for the negotiated number the guarnatee company issues payment for. If we file a supplement it is expressed that we earned that money in increasing to the primary estimate. It is very important that you have written proof that you as the customer will not have to pay more than "x" number of dollars when your car heal is completed. If a shop is unwilling to put their promises in writing then you need to find a new shop.
Once you find your heal shop or Pdr company it is important that you know where the shop is and meet the owner or manager. I know this sound's weird but a large majority of our customers never come to my shop and meet me. Often they are approached by one of my sales personnel and they let them pick the car up and then deliver back to them when it is complete without ever coming to my shop. This is great for me but it is extremely scary to think how well population just hand over their keys and guarnatee checks. I always advise to my salesmen that they advise to their customer that they at least come out to our shop so they know where their car will be. It is also a good idea to ask for references. Often times we have repaired other cars in the neighborhood and have satisfied customers just down the street. Also you should check out a companies website if they don't have one or it is poorly put together that may be an indicator that the company doesn't pay much concentration to detail. For a company to not have a website today is practically inexcusable! You may also call the local better company bureau. Even if a company is not a member the Bbb will still field complaints and keep files on companies that receive complaints. Also check with your insurer. The will have files on companies that have had complaints or are suspected of fraudulent activities.
In conclusion Pdr is absolutely a great alternative to primary body repair, and with a minuscule study and due diligence the mean person can navigate the claims process and find a great shop to heal their car for minuscule or no money out of pocket!
I hope you get new knowledge about Progressive Home Insurance. Where you'll be able to put to use in your day-to-day life. And just remember, your reaction is Progressive Home Insurance.Read more.. My Car Has Hail Damage, Now What?. View Related articles associated with Progressive Home Insurance. I Roll below. I even have counseled my friends to help share the Facebook Twitter Like Tweet. Can you share My Car Has Hail Damage, Now What?.
No comments:
Post a Comment