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After an auto accident, you may discover that your insurance coverage in Colorado can make the claims process a little complicated. Before your insurer will pay for the damages, the cost of repairs must be evaluated. The appraisal process may vary between insurers, but it usually involves a claims adjuster.
Appraisal by an Adjuster
A claims adjuster is a professional from the insurance company that looks at the damage to your vehicle and then determines the amount that is appropriate for the repairs. Depending on the extent of the damages and the situation, the adjuster may or may not offer an appraisal.
Some adjusters are trained to handle appraisals, which can speed up the process of getting your car repaired. On the other hand, the company may not offer funds in a complicated situation until you have multiple opinions.
Auto Repair Shops
In the case of major damage to the body or even the engine, the appraiser may require several estimates from a variety of repair and auto body shops. The estimated cost of repairs can help an appraiser determine a fair amount to pay for the damages.
Estimates can vary widely based on the shop and the location, so the actual appraisal may be an average of the different estimates. In some cases, the appraiser may determine that the car is a total loss based on the estimated cost of repairs so you will be given funds to replace your vehicle with a similar car of the same year.
The appraisal process is a necessary step of getting the funds that you need to repair your vehicle. Your insurer will determine the appropriate method to appraise the damages. Contact us to learn more about your options and speak to an agent.