When the car is drivable, most people go to their carrier's drive-in location, where they get an estimate and a claims check on the spot. Or they can use a direct repair facility, a one-stop option. They'll drive directly to a specified shop affiliated with the insurer, pick up their rental, get a written estimate and have repairs begin.Your own inability to cover your deductible could delay your repairs. Young observes that 20 years ago he never saw a $500 or $1000 deductible. That's changed.
How to speed up your insurance check
- Exchange contact information and insurance agencies at the scene.
- Get a police report.
- Report your accident to your auto insurer as quickly as possible.
- Use your carrier's drive-in insurance center or try the direct repair program if available. However, you are not required to.
- Check your rental car coverage. Most policies only provide coverage for 30 days.
- Find out your state's law for paying a claim.
- If you suspect your insurance company is violating the "Unfair Claims Settlement Act," talk to your adjuster's supervisor.