- Have your policy number ready and know the
full name of the policyholder.
- Report your claim as soon as possible.
- Provide all the phone numbers where you can
be contacted throughout the claim process. Even
include temporary phone numbers. Ask your adjuster
for a fax number where you can send paperwork.
- If you have any questions or concerns, let
the adjuster know so they can be addressed immediately.
- Be available for the adjuster to inspect any
damaged property.
- Provide receipts, photographs, manuals, videos
or other documentation of damaged property. NJ
Auto Insurance
- A catastrophe team member will contact you
as quickly as possible, generally within 48
hours. Our goal is to inspect all losses within
seven days from the time received. As you can
imagine, the time it takes to contact each customer
depends on, among other things, the number of
losses generated by the event. Usually, inspection
appointments are scheduled for customers with
the most extensive damage first.
- During the life of your claim, your adjuster
will discuss your property damage and provide
you with a clear explanation of policy coverage
and provisions, outline the claim process, prepare
an estimate of the damages and answer your claim
questions.
- If additional payments are needed after settlement
of your claim, contact your adjuster. NJ
Auto Insurance
Hopefully, your accident involves only damages
to things and not to people. NJ
Auto InsuranceAnd, hopefully, it
wasn't your fault.
Even if it's just your car that's banged up,
repairs can be a major headache. This is where
the reality sets in that replacement cost is not
the same thing as market value. Your car can easily
be declared a total loss even though the money
you'd receive is nowhere near what it would cost
you to replace the vehicle. NJ
Auto Insurance
The best advice about getting your car fixed
is to remember that the money may be coming from
the insurance company but you should control the
repair process. NJ
Auto Insurance This means refusing to settle
for a repair job you don't like. And it may also
mean refusing to accept the use of generic replacement
parts instead of the original manufacturer's parts
(your policy may give your insurer the right to
use generic parts, so it's important to check
the fine print to know your rights). Even if your
favorite shop doesn't do the repairs, you can
still have your mechanic look at the car (although
this may be at your personal expense) and provide
an assessment of what should be fixed. NJ
Auto Insurance Ultimately,
it's your car and your call about what's done
to it.
Talk to your agent and/or insurer about your
rights (better still, you should really ask these
questions before you buy a policy). NJ
Auto Insurance And if you
don't like the answers, call your state insurance
department. NJ
Auto Insurance
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