insurance companies

Vehicle Damage Insurance Instant Photos Claims – Is it a Good Idea or Not?

According to the Auto Body Repair Industry relying just on your photos of your vehicle accident to make a claim with your insurance company could prove to drastically shortchange your final estimate. Especially if something is damaged under the vehicle and is not apparent in the photos.  

According to insurance data, 2 out of 3 claims can be “underpaid” if the claims are paid within 48 hrs.  In an “I want it now” world it may seem super convenient to have the freedom to simply submit photos via a cell phone to your insurance company to speed up the estimate so that you can gain your repair quickly.

Auto body experts across the Country are cautioning people to allow your Auto Body shop experienced technician to offer your insurance company a firm estimate to be certain that you are not owed more money than the insurance estimate given from submission of only photos.

According to a CNBC.com article instant insurance crash claim cell phone apps are becoming popular and allow you to take photos or video and simply instantaneously send to your insurance claims department:

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“Insurers benefit, from, reduced costs of sending out adjusters to handle what turns out to be cosmetic damage, said Loretta Worters, a vice president at the Insurance Information Institute. "It helps to get the claims filed, and their resources are utilized where they're needed most," she said.  

The article goes on to explain that the apps are for minor fender benders and any claim that involves an injury or fault that is not certain will likely involve further investigation. Another thing to take note of is your cell phone camera/video quality. Most insurance companies require superior quality photos.

So, yes, taking photos of your accident scene is important but it is not the end all.  At Richards’ Collision Center, for example, we offer free estimates that we personally submit to your insurance company listing any other damages that the photos did not capture.  This can significantly increase your estimate value thereby gaining your vehicle a proper and efficient repair.

We want to be sure that our customers and customers around the Country are receiving all the money that is owed for their collision repairs.

Learn more about this important subject at Body Shop News

 

 

Autonomous Vehicles Will Decrease Deaths on U.S. Roadways

Autonomous vehicles will significantly decrease deaths on American roadways because mainly human vision is about 30 meters forward whereas the LIDAR system that are sensors that Google utilizes in the Google car can actually see a whopping 300 meters ahead.  Unfortunately, according to studies, humans are the main reason for more than 99% of all car accidents. According to the National Highway Traffic Safety Administration 38,000 Americans were killed on U.S. roads last year. Administrator, Mark Rosekind, from the NHTSA remarked, “That is unacceptable.”

Photo: Courtesy of Google

At the 2-day telematics conference in Detroit Rosekind’s comments to 3,000 representatives of automakers, technology companies, government agencies and insurers at the conference may be the latest signal that regulators aren’t expecting an accident-free future, just a reduction in the number of severe, deadly wrecks.

Autonomous vehicles will be mandatory and many regulations and standards must be put into place regarding the automotive industry, insurance and legal aspects that arise from accidents. http://goo.gl/TrNbSx

Speaking of accidents, a few weeks ago the first autonomous car crash killed a man when he was driving into fierce, bright sunlight and the software fatally failed and passed under a semi-truck. The car kept going after passing under the truck and crashed through 2 fences and into a light pole.  Tesla made a 537 word statement about the crash.

The first paragraph notes that this was Tesla’s first known autopilot death in some 130 million miles driven by its customers. “Among all vehicles in the US, there is a fatality every 94 million miles,” the company then notes.  It goes on to say that the car’s autonomous software is designed to nudge consumers to keep their hands on the wheels to make sure they’re paying attention. “Autopilot is getting better all the time, but it is not perfect and still requires the driver to remain alert,” the company said. See more on Tesla’s statement here:  https://goo.gl/YqDJo9

Other test drivers of the Tesla have noticed issues when driving into bright sunlight.  The gentleman, Joshua Brown, who was driving that fateful day was someone who supported Tesla and posted many videos regarding his autonomous driving experiences. https://youtu.be/5TjbqVartjM

“As collisions in the future will be dealing with the failure in the design, manufacture and maintenance of vehicles, we can expect that the insurance industry will look to product liability and/or service failure, whether hardware- or software-related, not driver error, as the primary means to manage the risk of collisions,” Michael Teitelbaum, a partner Hughes Amys LLP, told seminar attendees during a subsequent panel discussion. http://goo.gl/i04dsd

There will also be legal ramifications regarding accidents that must be worked out and the legal experts still have many questions to ultimately come up with solutions.  To learn more about the insurance and legal ramifications click here.  

Auto Body Shops & Insurance Company Recommendations...

At Richards' Collision Center we often hear the question:  Am I required to use the Auto Body Shop that my insurance company recommends?  The answer is no, and, often times the insurance company claim representatives pressure consumers into using the body shop that they recommend.  

Steering is defined as the act of directing a consumers to or away from any specific auto body repair shop or requiring that repairs be made by a specific repair shop or individual.  In most states there is a law against Steering.

While there are networks of preferred providers for collision repair, and direct repair options presented to policyholders when they make a claim, the insured's right to choose MUST always be upheld.

 Angie's List reported an excellent article about this very subject and one of many statements on the site give pause:  

"The choice is yours — by law, in the majority of cases. Yet a question remains: Will you get a quality repair?

Of course you can gain a quality repair as long as you do your homework.   If you want to cut to the chase and find out the true grit behind the advertising hype, simply:  "Google" the name of the shop with a "+reviews" after the name to find out what other people have experienced.

A thoughtful set of various reviews is worth a thousand words and more.  

Richards' Collision Center

Richards' Collision Center