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Auto Insurance Claims/Auto insurance process

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Expert: Charlie Barone - 5/7/2009


Question
Today morning when I was coming to office, In parking area sombody was backing up car to get his car from parking slot and I was passing parking lot and that time that guy hitted my car (driverside/back door) side from his car rear side. We both left place.We didn't talk about insurance but this impact changed my stearing wheel alignment and made some scratches on the door. Now what is the process to claim insurance ? Should I claim for this minor damage? I am worried about this.Please help me. Thanks a lot for your advise.

Answer
Call your insurance company and explain what happened. Give them the name of the person who hit your car (if you know it), their insurance information, etc. If it was clearly his fault, you should get in touch with him as you will be responsible for your deductible if you file the claim with your own company. If he admits it was his fault, get the name of his insurance company and call them to report the claim.

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Charlie Barone

Expertise

For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).

Experience

I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.

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