So, what has changed? Why is it increasingly difficult to make a claim? The California Department of Insurance (DOI) has promulgated regulations that the insurance companies MUST follow regarding claims handling practices. However, the DOI has almost no real authority to require the insurance companies to do anything. Therefore, insurance companies claim departments have learned that they can run roughshod over consumers, and there will be virtually no accountability thrust upon them. Furthermore, the regulations generally relate to the selling of insurance, and what is required of them after a claim is made. Very few regulations address the claims-making process other than timeframes that must be met by insurers. (Those often get trampled as well). Therefore, the claims-making process varies greatly from company to company. Add to that, cutbacks to personnel make even getting ahold of a claims representative sometimes challenging. And, when you do, you’re likely to find that the knowledge and professionalism of the personnel is greatly reduced from years past. Many insurance companies are now requesting that you send them photos so that they can “efficiently” initiate an estimate. That process in itself, can seem cumbersome (possibly by design…). Often, the result is an estimate for far lower than you could possibly get your vehicle repaired, which is yet another violation of regulations, but they do it anyway. Of course, they’ll explain that there may be “other damage” and that they’ll revisit it then. Often, their initial estimate is so low and below your deductible that it absolves them of any commitment at this time, or for a claimant, they hope that that miniscule amount is spent, and actual repairs are never pursued. Either way, the insurance company has set themselves up in manner that may greatly benefit them at the expense of the already financially injured party. DON’T LET THAT HAPPEN! If you’re the insured, you’ve already paid for your repairs (other than your chosen deductible amount). That’s what your premiums are. Don’t let them finagle you into paying twice! If you’re a claimant, then you deserve to be made whole. Don’t let them off the hook because they’ve made it intentionally difficult! In either case, we are here to help you through the process. At Auernig Auto Body, we realize that you are already in an undesirable position. Let’s face it, nobody wants to have to take their car into a body shop. We will do everything that we can to minimize your frustration and help you through this process while attempting to hold the insurance company accountable. (an ever-increasingly difficult task…) 😊 The old days of trusting your insurance company are over! Likely, best-case scenario is that you have two advocates in your corner… Hopefully, you are fortunate to have a good insurance agent. A good agent will get involved in the claims process, if need be, or at least help you to navigate its pitfalls. Your other advocate is Auernig Auto Body. We are one of the few shops left that choose to work for you, rather than the insurance companies. We will always put your interests ahead of those of the insurance company. I hope you find this helpful! Drive safely, Rob