Question : How to deal with insurance companies in property damage settlements?

Answer : When the insurance uses a virtual inspection to determine the amount of money to pay for property damage it is important to know the following:

1 : Obtain three different estimates from three different automobile body or workshops before the insurance company’s virtual inspection. The three estimates should be provided to the insurance company at the time of the virtual inspection in order to obtain the actual cost of the damage since insurance companies usually offer far less than the actual cost of repairs.

2 : If a vehicle is declared a total loss, it is important to know that the insurance company will allow you to keep the vehicle by deducting $500 to $1000 from the total loss amount.

3 : If the accident or cause for damage is not your fault, the insurance company is obligated to provide you with a replacement vehicle while your automobile is being repaired or if a total loss while you obtain another vehicle.