Edmunds.com
editor Philip Reed had a
friend who got his Mini Cooper into a terrible accident. With a bit
of skillful negotiation, he managed to get $1,500 more on his
insurance than the original offer—and was able to write a story
about it. If you're living in a state with high insurance quotes,
getting the most out of your car insurance is a must. Make sure you
get every penny of the auto insurance you've paid for.
You should start by
talking to the claims adjuster. He assesses how much insurance money
a client can receive based on factual evidence. Having spent four
years as a claims adjuster himself, Reed writes that all it takes is
a matter of understanding how the job works. More often than not,
claims adjusters are on crunch time, and are expected to crunch the
numbers for hundreds of clients. As claims adjusters base insurance
claims on facts, clients must dispute these numbers with the facts to
ensure fair offers.
Get several quotes to
compare them with the current insurance claim. On average, claims
adjusters have a $500 elbow room, which is already a substantial
amount. However, try to understand that cars depreciate in value the
moment the buyer drives it off the dealership lot, and car
depreciation also reduces insurance value. Reed suggested steering
clear of preferred body shops; don't worry, you have the right to do
this.
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