The aftermath of a hurricane can leave a trail of destruction, and your vehicle might not be spared from the havoc either. If you find yourself in this unfortunate situation, fret not! Just Call Moe Injury & Accident Attorneys is here to guide you through the steps you need to take if your vehicle has suffered storm damage.
Assess the Extent of Damage
Before diving into the insurance claims process, it’s crucial to evaluate the damage to your vehicle. Look for dents, scratches, broken windows, and water infiltration. If the damage is severe, it’s a good idea to avoid starting the car, as water may have entered the engine.
Contact Your Insurance Company ASAP
Reporting the damage to your insurance company is a priority. Most insurance policies cover hurricane-related damages, but it’s important to act swiftly. Take pictures of the damage and share them with your insurance adjuster. This documentation will serve as valuable evidence during the claims process.
Review Your Policy
Understanding the coverage your insurance policy offers is essential. Comprehensive coverage typically covers storm damage, but it’s wise to double-check the specifics. Deductibles can vary, so be aware of the amount you’ll need to pay out of pocket before your coverage kicks in.
Mitigate Further Damage
Taking steps to prevent additional damage can save you money in the long run. If safe, move your vehicle to a sheltered area to protect it from further exposure to the elements. Cover broken windows with plastic or tarps to prevent rain from entering the interior.
Maintain a detailed record of all communications with your insurance company, including phone calls and emails. Make notes of the dates, times, names, and details discussed. This documentation can be invaluable if any disputes arise during the claims process.
Get Professional Estimates
Before proceeding with repairs, obtain multiple repair estimates from reputable auto repair shops. This will help you gauge the cost of repairs and ensure you’re not overcharged. Share these estimates with your insurance adjuster for a smoother claims process.
Choose a Reliable Repair Shop
Opt for a repair shop with a solid reputation for quality work. Your insurance company may recommend preferred repair shops, but the final decision is yours. Ensure the chosen shop provides a detailed repair plan and keeps you updated throughout the process.
While it can be frustrating to deal with vehicle damage, especially after a hurricane, patience is key. The claims process may take some time due to the volume of claims after a disaster. Keep your documentation handy and follow up as needed.
Dealing with storm damage to your vehicle might seem overwhelming, but with the right approach, you can navigate the situation smoothly. Stay safe, and reach out to Just Call Moe Injury & Accident Attorneys for any legal guidance you might need.
*Disclaimer: This blog post is intended for informational purposes only and does not constitute legal advice. For personalized guidance regarding your specific situation, please consult with a qualified legal professional.*