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

 

 

Self Driving Cars

The Jetsons broadcast into American living rooms in 1962. The futuristic cartoon was based on how we all might be living in 2062. Flying cars, housecleaning robots and video calls…hmmm… looks like we’re right on track. Motor Trend listed the Buick as the best car of 1962, which came standard with an AM radio.  

Twenty years later Night Rider was created in 1982, by this point, cars had advanced to include AM/FM radios and tape players.  

Today our vehicles are essentially equal parts computer/machine. A voice command can start off verbal directions to anywhere, a beep tells us we’re too close to another car or object and can hit the breaks for us. We’re currently to some degree co-piloting with our cars. It makes absolute sense that the next level of auto-evolution would be self-driving cars which ironically rename the dash, the cockpit.

A recent Verge article asks and answers the question, where are the autonomous cars?  As it turns out, the technology is here, though the profit is not. Much like the manufacturing of fast cars has an extremely small American market due to the still remaining popularity of large vehicles, self-driving cars fall into the same category. They’re small.

The article continues to include a few urban locations where these cars are being tested on real streets in real traffic, more specifically for use of delivering products and people.

Google Lexus Self-Driving Car

Google Lexus Self-Driving Car

Either way, the race is still on to bring the car of the future into our driveways sooner than later. Tesla, General Motors, Ford, Toyota, and even Kia are all digging their mechanical and software engineering heels into the starting line. According to Market Watch, we’re ready and set, GO however is not expected to happen for another 15-20 years.

For many of us, that’s a crushed dream of anxiety-free parallel parking and nap to work wishes. For most, however, we’re psychologically not so sure about the idea. A report compiled by AAA in 2016 found that 75% of people are afraid of letting their car do the driving; although psychologists feel it will be a fairly easy fear to defeat. Somehow we all got over the Computerphobia of the 1980’s, we’ll likely do the same with our phobia about self-driving cars in the 2030’s. 

In the meantime, we can expect to see more and more cars with self-driving aspects such as self-steering and breaking. Phasing into trusting our car to do all the driving might just be the best way to go. 

Guest Blogger: Allison Green

 

 

Being Ready for Winter Driving

I doubt anyone is excited about a forecast of 30 below with the wind chill and a possibility of snow. Still, you can be as best prepared as possible for traveling in these kinds of winter conditions.

Here are a few tips for preventing an accident this icy, snowy, cold season: 

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  • Check tire pressure and tread. New tires can seem like an expensive purchase but can keep you from a catastrophic expense later on. It is normal for tire pressure to lower during winter months so be sure to check your owner’s manual for the recommended winter psi.

  • Slow down in inclement weather no matter what vehicle you are driving. This may seem like some Captain Obvious advice here, however we have all seen that big 4x4 flying down the highway on a sheet of interstate ice. Four wheel drive may get you over hills and through difficult terrain much more easily than without, however when it comes to stopping and turning being in four does you no favors. No matter what vehicle you may drive, keeping a moderate speed can prevent having to hit the brakes which will always prevent slipping around to where you don’t want to go.

  • Making sure your wiper blades are in good shape and functioning properly along with checking wiper fluid and anti-freeze levels can keep you moving forward with full visibility. While everyone knows this, taking the time to do a winter maintenance check can be difficult to accomplish in a busy world.

    • If the unfortunate does happen, make sure to have an emergency kit readily available in your vehicle. Here are a few ideas for your kit:

      • Every vehicle should have a standard emergency kit with first aid supplies, flares, jumper cables, flashlight, high protein food and water (not frozen) no matter what time of year it is.

        • Ice scraper

        • Blankets

        • An extra pair of gloves and hat

        • Cat litter for traction in case you get stuck

Last but not least, before you head out the door there are a few things you can do to give yourself and everyone you know a little extra piece of mind.

Check with your insurance company to see if you have towing coverage. Some policies offer very affordable coverage for this service.  Let someone know where you are going and when you expect to arrive.

Additionally, smartphone apps such as “Find My Friends” allow you to share your location. If you decide to use such an app be sure to turn your location settings on and know the app may not work if you have no signal,  Fill up when you get to or below half a tank.

Hopefully, you’ll never be stuck in the snow,  but if you are you’ll at least be warm!  When the weather looks frightful and you're in doubt - Don’t go out!  Our team at Richards' Collision Center wish everyone a Safe & Happy New Year!! 

 

 

 

                                                                             

 

 

 

 

New 2018 Vehicles to Dazzle Your Holidays!

New 2018 Vehicles to Dazzle Your Holidays!

Whether you're a driver that prefers a sedan, coupe, convertible, SUV, truck, pickup, van, minivan, crossover, wagon or hatchback, charting all of the redesigned changes can lead you to pick out the best new vehicle option to suit your preferences. Some models are all-new while others are redesigns.

Keeping Halloween Safe & Fun!

By Audrey Emerick Elder 

Wilma & Barney - Halloween 2016

As the cold northern winds blow the last day of October off the calendar, the American tradition of #Halloween will usher in November in a grand masquerade. Keeping the adorably costumed little ones to the costume contestant adults safe must indeed take priority over the battle between chocolate bars and candy corn.

Halloween can be a nightmare as more drunk drivers experience fatal crashes and that these crashes are three times more likely than on New Year’s Eve! A must-read blog for anyone who plans to find fun and mischief on Halloween. Know how to be SAFE and keep those you love SAFE. 

 

Trick or Treating

A good costume - This little Monster High  character can see perfectly and her costume does not drag on the ground. She has glow light bracelets and necklace to be easily seen in the dark. 

A good costume - This little Monster High  character can see perfectly and her costume does not drag on the ground. She has glow light bracelets and necklace to be easily seen in the dark. 

AAA Exchange has created a guide filled with great tips for Halloween safety for both safe costumes and safe driving. This list reminds us all that this is the one day a year that our neighborhoods and communities will be filled with disguised children that are not only more difficult to see, particularly after dark, but also, more likely to dart out into the streets. Parents can take steps to ensure their child is more visible to drivers with reflective or partially reflective costumes and costumes that aren’t a tripping hazard. Simply adding a few strips of reflective tape to a child’s outfit can add a layer of safety to the evening’s fun.

For drivers, the guide suggests keeping speed several miles per hour under the speed limit. Though heartbreaking, every Halloween has a tragic story of children being hit by cars. The National Safety Council reports children are more than twice as likely to be hit by a car on Halloween than any other day of the year.

 

Halloween Drunk Drivers

Another startling Halloween statistic is that of drunk driving incidents on Halloween. The holiday is far from just for children and sadly many adult festivities end in drunk or buzzed drivers on the roads. The National Highway Traffic Safety Administration reports that fatal crashes on Halloween are three times more likely than on New Year’s Eve.  Getting the kids home at an early time in the evening helps ensure they aren’t on the same roads as impaired drivers. If you’re hosting a party with alcohol, you know the rules - only designated drivers should gain their keys back.

A Few Fun Ideas

1.  Many organizations host trunk or treats. Plenty of candy for the kids and a safe way for them and their parents to show off those creative costumes!

2.  Some cities offer specific trick or treating hours to promote getting the kids back home before the sun goes down.

3.  And finally, you could host a safe kid-friendly party with candy, games, and activities that will be sure to live in those children’s memories for years to come. Who doesn’t love bobbing for apples and bowling with tiny pumpkins?

 

WE AT Richards' Collision Center WISH EVERYONE A VERY SAFE & HAPPY HALLOWEEN!!