It is estimated that the average driver will be involved in 3-4 accidents in their lifetime. Though most car accidents are minor with little or no damage to the vehicle, some may leave your car in need of major repairs. If you haven’t been involved in a car accident, there are high chances that you eventually will. So, what should you do when the dreaded day finally comes? Auto claims and Geico insurance repairs in Miami can become complicated and are often time-consuming. However, with the right approach, you can get your car back on the road soon. Read on to find out how to deal with your insurance company for repairs and tips for choosing the best North Miami Geico repair facility.
1. Contact Your Insurance Company
For the best outcome, you should initiate the insurance claim process immediately after the accident. If the collision does not result in any injury, move your car to a safe spot, exchange contact information, and get in touch with your insurance company.
The purpose of the call is to notify them of the collision. If the adjuster request for details on how the accident happened, politely decline. At this point, the information you should pass on to them is:
- Your name
- Driver’s license number
- Vehicle registration
- Contact information
Though an accident can be traumatic, and you may still be angry, be calm and polite when communicating with insurance adjusters. Earning their goodwill helps later on in the process.
2. Choose a Repair Shop
After an accident, your insurance provider may recommend a repair shop that they trust. Though it may be tempting as it relieves you of the burden of looking for a Miami collision center, it may not be your best move.
Your priority should be to find a reputable North Miami Geico repair facility that will restore your car to prime condition. By going to the recommended repair shop, you give the insurance company control over the costs as they have a working relationship with the collision center.
Take the following steps when assessing repair shops:
- Confirm ASE certification
- Enquire about warranties on repairs
- Ask if they are affiliated with AAA
- Read customer reviews online
- Compare price estimates
- Request an evaluation of the needed repairs before work begins
If the car is not in a drivable state, you need to figure out how it will get to the garage. Before you hire a towing company, confirm if your insurance company offers roadside assistance.
3. Have Repairs Done Within the Recommended Period
Insurance policies often have a statute of limitations for the timeline claims for repairs are valid. Confirm with the insurance company to know how long you have. Even if you have time on your hands, it’s best to have the repairs done as soon as possible.
There are some repair issues, such as a broken windshield that cost more if you take too long. When this happens, the insurance company may cite maintenance neglect and refuse to foot the extra cost.
4. Pay for the Repairs
If it is determined that you are responsible for the accident, your insurance company will authorize repairs once you pay your deductible. If the other driver is at fault, their insurance provider will reimburse you for your deductible.
Claims are usually in under a month. Some insurance providers prefer paying the repair shop directly, especially if it’s one they recommend.
Never Compromise on Quality
Dealing with insurance claims after a nerve-wracking ordeal can be stressing, especially if you do not know how to go about it. Other than making a full recovery, the most important thing is getting your car roadworthy again.
Tropical Chevrolet Collision has over 30 years of experience in expert auto body repair services with unparalleled customer satisfaction. Get in touch with us today or book an appointment to help get your car back on the road.
Tags: insurance, Miami, Miami collision center, Repairs