Navigating the Insurance Claim Process: Your Questions Answered
An accident can leave your vehicle with damage and you with questions.
No matter the severity, we’re here to provide the answers and solutions you need!
What do I do if my car is damaged in an accident?
If injuries are involved, do not move your vehicle unless necessary for safety. Call 911 immediately. Gather the other driver’s information, including their name, phone number, driver’s license, vehicle details, and insurance information. Document the accident by noting the time, date, and location, and collect any witness details. Use your phone to take photos of the scene and vehicle damage.
How do I handle storm damage to my vehicle?
Severe weather, such as hail, tornados, and high winds, can cause significant damage to vehicles. If your vehicle sustains storm damage, start by contacting your insurance agent to report the incident. Take photos of all visible damage, both inside and out. If your vehicle is unsafe to drive, arrange for a tow.
Do I have to use a specific body shop for repairs?
No, it’s your vehicle and your decision. Minnesota state law gives you the right to choose any body shop for repairs.
Am I responsible for paying a deductible?
Your deductible amount is determined by your insurance policy. When filing a claim, your insurance company will review your account of the accident along with the police report to determine fault. If you’re unsure about your deductible, contact your insurance provider to confirm whether it applies to your situation.
Do I need to pay for towing?
In most cases, towing expenses are covered as part of your insurance claim.
Is it necessary to get multiple repair estimates?
No, there is no law requiring multiple estimates. You have the right to choose the body shop you trust for repairs.
Do you assist with the insurance claim?
Absolutely! At Wayne’s Auto Body, we work directly with insurance companies daily to maximize your repair coverage. Our experienced staff is here to guide you through the claims process and answer any insurance-related questions.