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Question
I wrecked my car it was my fault i hit a light pole in a parking lot now i didnt claim my car at the time of the accident because i was hoping to fix my car myself so my insurance rate wouldnt go up so what do i say and what do i do because since both of my airbags deployed and i have damage to the front of my car i cant afford to fix my car it would be to expensive now it has been about a month since the accident what should i do i do or say
Jennifer,
As long as you had coverage as of the date of loss, your delay in reporting the claim should not be a problem. Just explain the matter as you have to me when you call your insurer. Tell them the date, the time, the conditions and whether or not there was any damage to another person's property, such as the pole.
Charlie
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Answers by Expert:
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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