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Expert: - 1/9/2010


Question
hello my friend had an minor accident with another car in which there was damage to back light and small damage to back bumper of other car my friend give them details but don't take there details now they send him claim of $7600  there is no witness and nobody take photos of either car so what can he do pls tell quickly he is in lot of stress  

Answer
If he has insurance, he needs to report the claim to them and tell them he thinks the other party is exaggerating the damages.  They will handle it.

If he does not have insurance, he does not have many options.  He should call the other insurer who is going after him, and try to work out a payment plan.  If they have paid the claim, he cannot really contest the amount at this point.  He may have to file bankruptcy.  This is why everyone needs insurance and it is really a bad decision to drive without it.

Keep in mind that repairing body damage to modern cars is very expensive.  Often what appears to be minor is not minor at all.  There could be frame damage that you cannot see.  The body parts of luxury cars are incredibly expensive.

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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