6 Steps To Claim Insurance For Coupe Car After Accident

6 Steps To Claim Insurance For Coupe Car After Accident

If you have been in a car accident and your coupe is totaled, then the first thing you want to do is find an auto insurance company that will cover the cost of repairing or replacing your vehicle. This can be tricky- many companies require that you pay upfront for repairs on a new vehicle before they reimburse you. In this blog post, we’ll go over 6 steps on how to claim insurance for Coupe car after accident!

1. Find out if you have insurance coverage

The first step to claiming insurance for your coupe is knowing whether or not you have the insurance that covers it. If your coupe was just recently purchased, then you would have made that purchase with your current auto insurance. You can call your insurer and ask them what will happen to the recent purchase towards a total loss claim if you have an accident. The company may ask for the registration number that went with the car in question.

2. Take pictures of your car before repairs are made

When you’ve just been in a car accident, it can be hard to think clearly enough to begin taking pictures of your vehicle and its damages (and we’re not talking selfies- there’s nothing interesting about a smashed up car.) Don’t worry, you can hire a company to do it for you. If you have yet to engage an insurance company, then the damage may already be repaired. In this case, take photos of your coupe before any work had been done on it and print them out at home.

3. Determine the value of your car before repairs are made

You should keep an eye on how much it costs to repair your coupe until you’ve received an insurance check for it. If you have an older model then this will be harder, but if you just bought a brand new car then its price should be easy to find. You can even take your car to a shop and have them give you a quote for the damages so that you’ll know how much is being repaired in relation to its value.

4. Get in touch with an insurance adjuster

After taking pictures of your vehicle, reporting it to your insurer and getting a price estimate from your coupe’s shop, you can now contact an insurance adjuster. The adjuster has the job of assessing your vehicle damage and determining if it is totaled or salvageable. He or she will also be able to tell you how much money they are willing to offer for it.

5. Accept the insurance check only after repairs are done

After receiving a check from the insurance adjuster, you may be tempted to go directly to your coupe’s shop or hire someone else. Don’t do it! You should not accept the check until they are done with all of the repairs they’re supposed to make. When you’ve accepted payment for something that has yet to be performed (such as accepting a check for work you haven’t completed) then you are in the wrong. It would be deemed fraudulent, and thus your car would no longer be eligible for insurance coverage.

6. Keep all necessary documents

After receiving an insurance check, it’s time to get rid of the damaged vehicle- even if that means selling it for parts. You will need to provide the salvage company with any and all documentation that was given to you by your insurer. This includes:

  1. Photo documentation of before repairs were made
  2. Photo documentation of the accident
  3. A copy of your insurance policy or card
  4. A letter stating that your vehicle has been deemed totaled
  5. A letter from an adjuster stating how much cash you will receive for your totaled car

Aside from the usual documentation presented to any potential buyer, there’s also a final step: notifying your current insurer about what happened. Your insurer should be able to inform you of whether or not they approve of the sale and if they do then it will transfer the ownership to them.

How much does an insurance claim for a totaled car usually cost?

A couple hundred dollars. This is why many people choose not to sue the other party involved in the accident or their own insurer when something like this happens. It’s simply not worth it if you’ve only got a few hundred dollars at stake. However, auto damage worth over a thousand dollars is a different story.

What kinds of reasons might let an insurer delay making you an offer?

A common reason for your insurer to delay making you an offer would be if they feel that the repair costs are more than the car is worth. If this is the case then they are under no obligation to buy it back from you, and will not make an offer until the repair costs drop below your published auto value.

How long does it take an insurer to make you an offer?

In most cases, insurers will make you an offer quickly. The average turn around time for a claim is only eight days.

What happens when a car is deemed a total loss?

When a car is deemed a total loss it means that your insurer will not pay to repair the vehicle. However, he or she will be willing to do one of two things: buy the car for parts or purchase you another vehicle if you wish.

Is it a good idea to claim insurance for a totaled car?

That really depends on the circumstances surrounding the accident. If you had no fault in causing the accident but feel that you should be entitled to compensation, then going after your own insurer may not be such a bad idea. However, if you had some fault in causing the accident or if you’re at risk of getting sued by the other party involved (this is more likely to occur with high-dollar claims) then it’s probably best not to make a claim for a totaled car.

After All Is Said And Done

Comment below and share your thoughts. We’d love to hear how it went or what you learned from this post. Let us know if there are any other questions we can answer for you in the comments!

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