Auto accident: amicably without the insurer

Policyholders are sometimes surprised by the increase in their bills after the declaration of a "little" accident. With a little dissatisfaction have made the wrong choice at the time of the accident. The increase (over several years in reality) can actually be more expensive than the cost of the claim itself.

In what circumstances should manage "amicably", without the intervention of the insurer, the small claims?

How to go about this settlement goes well?

Under what circumstances?

Even mild personal injury should not manage amicably. When the victim feels pain even minimal: there must be a joint report. The expenses incurred for personal injury are quickly climbing the invoice (using the social security medical expenses, lost wages possible ...)

For obvious practical reasons, both insured must be geographically close. A settlement often takes place in two stages (telephone contact and meeting). The distance can make a real difficulty in the implementation of the settlement. The responsibility of the accident should not be doubted and must be fully accepted by the manager.

The overall cost of the loss must be low. Both the cost of your own damage if you are insured against all risks and your victim. The amount of "acceptable" is calculated (if necessary with the assistance of your insurer). Around twice, two and a half times the amount of the increase in your assessment, the absence of a declaration is the right choice.

Example: extra coming your contribution around $ 200, a settlement was quite a place around $ 400-500 damage.

How to go?

 

A amicably without the assistance of the insurer does not mean cash and about a hundred dollars almost...

The position is responsible for the applicant. Nothing requires the victim to follow a course without observation. Therefore, we must establish a waiting encryption.

The encryption is done in the form of a written estimate of a bodybuilder. The bodybuilder will often be cheaper than dealership quality equivalent work. The estimate agrees bodybuilder on the amount of compensation as no surprise later - just in case of defect, an invoice will be working with the possibility of an appeal if necessary. The cost of car repairs is often higher than we imagine. The estimate is to be made by the victim to his name (normal, he alone is able to give an order to repair his car).

If agreement on the amounts reported by the victim, payment is made by check on the basis of the estimate. It is at this point that by mutual agreement, the situation is destroyed (or after cashing the check if there is any doubt). If the victim has already given his statement to his insurer but that expertise has not yet occurred, it is not too late to write a letter as what common one and the other does not give away your statement (this letter is essential to protect you from a subsequent appeal by the insurer).

If at any point a question of trust takes you on the "seriousness" of the person responsible for your interactions before the destruction of observation, do not ask: abandon the settlement and transmit the finding to your insurer.