Auto Insurance Claims/accident

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Question
My car was hit and the man that hit it didnt report it to his insurance company.I reported it and the insurance adjuster basically said he had minimul coverage and i should fix my car myself because the man has up to 30days to report the accident.To make this shorter after two weeks of waiting i fixed my car with my own money.And just recieved a message from a totally different insurance company about my accident.What will this mean for me as a victim since i have fixed my car enough to make it drivable.will this hurt my chances of getting my repairs reimbursed and the body damage paid for.

Answer
Call the new insurance company and ask if they will pay for your damages.  You'll need to submit receipts showing the work completed and the amount paid.  It will be helpful if you also have pictures of the vehicle prior to repairs.    If the repairs were only partial, the insurer will want to inspect your vehicle.  

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 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 20 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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