auto body news blog

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:

car-accident-bump.jpg

“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

 

 

Keeping Teenage Drivers Safe on the Road

Having a teenage driver in the family might just be the most terrifying part of your child transitioning into an adult. Many teens are involved in several extracurricular activities in their school, have jobs and always a busy social life.  My husband and I scrounged up enough money to buy our son an old pickup truck when he was in high school mainly so he could get our daughter back and forth to school for band practice, tennis, student council and seemingly a hundred other obligations. Where most of us as parents can relate to and remember our high school days being a life of constant doing and little sleeping, those of us that did have cars had fewer distractions simply because the technology wasn’t there yet. 

My parent’s minivan had a bag phone in 1990. I never used it, I can’t even remember why- maybe it cost too much to make a call. Either way, I could have never imagined that when my own children became teenagers, they and everyone they knew would have their own phone always on their person.

Any distraction is a potential accident for any driver, though for someone who is still learning the ropes it’s tenfold. The radio, eating, and passengers could all result in a wheel jerk or slam to the brake. A text, a phone call, a notification from social media or a video game yelling at your teen to make his/her move is a new kind of distraction. The kind that nightmares can be made of.

A recent NBC news report refers to the beginning of summer as “The 100 Deadliest Days” for teenage drivers.  The video is primarily based on AAA statistics which state that “16 & 17-year-olds are three times more likely to be involved in a fatal crash and those fatal accidents involving teens jumps 15% over the summer”.

So what can you do as a parent to help keep your teen safe? My husband always says “Nothing good happens after eleven”. He based our teen’s curfew on that believing that by eleven the roads became an even more dangerous place to be. Beyond finger-crossed parenting, the same technology that brought our kids the smart phone has also brought us as parents “apps for that”.  OnlineDriversEd.com has a list of the best apps for parents to keep track of their driving and smartphone use. Some block calls and texts during driving while some notify parents when their teen exceeds the speed limit or breaks a driving law. The site warns that even an app to prevent an accident could become its own distraction. As a parent, I also wonder if there’s a point of being too invasive into a teenagers life. Gauging between a possible life threatening situation and letting them learn to make good choices on their own is hard. I experienced those nights where I sat in the living room at midnight with a cup of coffee in one hand and my phone in the other waiting for my teen to walk in the door or send the prayed for text, “Mom I’m okay”.  We didn’t have the technology then that we have today, and that was only three to five years ago.

So let’s look at the numbers; “11 teens die each day due to texting and driving. 21% of teens involved in a fatal accident were distracted by their cell phones” –AAA. 

Here’s another thought to take into consideration, it’s not just our teens who are being distracted by that world at our fingertips. A 2014 USA Today article (the most recent on the topic) states that 26% of all accidents are related to smartphone use. According to ATT’s It Can Wait, 7 out of 10 people are using their smartphones while driving, 10% on a video chat and a shocking 17% taking “selfies”.

Accidents happen.  Cars can be repaired. Turn the phone off and enjoy the scenery! Lives are precious- we can all do a better job to get everyone home…safe and sound.

Blog Author:  Audrey Elder, Past to Present Research, LLC

Watch out for Deer!

deer.running.richards.collision.center.blog.kansas.city.mo

That time of year is once again upon us, a time to be vigilant and aware of our white tailed woodland friends sprinting across highways and country roads.  As much as it might seem like an odd phenomenon it’s actually a normal part of a deer’s life and to be expected.  As the daylight hours quickly wane and temperatures begin to drop we all feel a sense of calm and serenity during those breezy, cooler autumn days amid yellow, orange and red tree lines.  Well, all of us except those magnificent forest dwellers - the deer.  While birds react to this seasonal change by flying south for winter and hibernating creatures such as the groundhog begin storing up fat to sleep the coming frost filled months away, these subtle changes in temperature and daylight set off a course of action of what can only be described as insanity for our Missouri white tailed deer.

A deer’s gestation period is 201 days, so it is imperative that her new fawns will be born at the perfect time in the spring to be large enough to survive the following winter. She sends this once a year mating signal to her male counterparts with a scent referred to as estrus which creates a month plus long game of hide and seek with the veracity of a sense of life or death in the minds of the mindless hormonally overloaded buck.  In the summertime bucks actually roam the forest and grasslands together much like a group of men searching for a brat and a Pale Ale at a summer craft festival. Come autumn it is each man for himself and even the hint of competition is likely to end in a bloody brawl. The winner gets the doe, and in Darwinian terms, it’s a gene thing.  The biggest strongest bucks get to pass their genes on to the healthiest does, and consequently the next generation.  Once the chase is on, nothing and I mean nothing stands in the way of the chasing buck or the running doe, including your car.  This crazy breeding season is referred to simply as… The Rut.

According to the Missouri Federation for Conservation the onset of the rut (pre-rut) begins around September 12th, with the peak of the rut occurring around the first week of November and not entirely ending until sometime in late November. The most recent report from the Missouri Highway Patrol from 2011 details deer involved traffic accidents at 3,563 with 376 injuries and 4 fatalities.  Most of these accidents occurred between 5:00 pm and 6:59 am. Per The Insurance Journal, the United States has 200 deaths per year that occur from car accidents involving deer at a cost of $4 billion dollars a year. According to the Department of Insurance, Financial Institutions and Professional Registration 2014 saw 3,720 deer related Missouri accidents- one every 2.4 hours.  The site offers advice on how to ensure your insurance covers any damage caused by such an accident after changes in Missouri vehicle insurance laws from House Bill 1022.  There is also the recommendation to not swerve to avoid hitting a deer when that could in turn create yet another accident.

So what do you do if you hit a deer? You treat it like any other accident, report it to your local police department and call your insurance company- though as mentioned earlier now is the time to make sure your insurance policy fully covers this type of accident.  If you would like to consume the deer or have it donated for food for the underprivileged, you must first contact your county conservation agent with the Missouri Department of Conservation for authorization. 

Bottom line- be vigilant, especially in the low light and dark hours of the day.  It doesn’t hurt to slow down a little during those hours which give you a better chance to avoid hitting a deer.  If you see a deer, expect there to be more to come.   Does especially travel together and fawns stay with their mothers for up to two years.

Here’s to safe and happy travels!

By Guest Blogger: Audrey Elder - See more of Audrey's blogs at Past to Present Research 

Hail Hail Go Away...Don't Come Again Another Day!

Have you ever experienced hail damage on your beloved vehicle? Not a pleasant experience to find that your car has been pounded by hurling ice pellets from the sky! Hail damage can be a costly problem.  At Richards' Collision Center we lead the industry in successfully repairing many hail damaged vehicles at this time of year in the Midwest saving our customers time and money.

Most hail damage repair takes about 1/2 the time of a conventional repair. We use a PDR (Paintless Dent Removal) technique that saves the factory paint of most vehicles with out the need to repaint.  Different types of tools of the trade assist us in gently massaging out minor dents and dings to restore the vehicle to its original factory condition and beauty.  

If the vehicle has severe hail damage a conventional repair still may be necessary.  A conventional repair requires the removing of panels that requires painting to match the factory finish. 

In addition, we offer the same helpful lifetime warranty on hail damage repair vehicles as we do on our conventional repairs.  We also work directly with your insurance company for your convenience. 

At Richards' Collision Center you will find a 12,000 sq. ft. state of the art facility with a secure parking lot and video surveillance.  Our combined technician's experience is well over 100 years with an efficient, friendly staff in-office with a combined experience of over 60 years!               

We offer FREE onsite vehicle estimates within the KC Metro area and encourage you to give us a call at 816.767.0707 if Hail Damage befalls your truck or car this year! Safe and happy travels! 

 

Dynamic New 2016 Vehicles!

Is a new vehicle on your Christmas list this year?  At Richards’ Collision Center we have researched the most dynamic vehicles of 2016 to narrow down your search.  Over the next several weeks we will show case some of our favorite choices.  

The Smart Fortwo vehicles top the charts as the most urban cool, and, cost saving.   Their tag line is: 

“From gas to electric, see which smart is right for you.”

 

Photo:  Smartusa.com

The starting price for the basic gas powered model is only $14,650.  If you are looking for an electric model with a sun roof you can race home with a convenient lease at $199 monthly, and, other options that fit any practical budget.   Click here to discover more about SmartUsa.com –  American compact cars packed with saving power. 

 

Photo: Yahoo.com/autos

Next on the list of great American vehicles is the 2016 Ford Shelby GT350 Mustang. Yahoo.com declared this vehicle as the most “Epic Ride of the Year.”  It sports a 526 horsepower, 5.2-liter flat-plane crank V-8 showcasing all the power you will ever need.  “Other contenders for the Epic Ride of the Year were GM products—the 2016 Chevy Camaro and the 2016 Cadillac ATS-V and wild CTS-V (the other favorite being the Lexus RC-F).”

Another informative site that most people are well aware of and tend to respect is the Kelly Blue Book and they nominate and vote for their favorite new vehicles each year.  In the ranks of mid-size SUV’s the crown winner this year is:  2016 Honda Pilot!  It was a unanimous vote with a combination of utility, comfort, features, and price.  Learn more about this dynamic vehicle at KBB.com.

Whether you are looking to save gas expense, or, need the room for a large family, or simply want an attractive car that appeals to your sense of luxury - the new 2016 vehicles offer something special for everyone.  Happy shopping!