Navigating Insurance Claims After a Car Accident
Unless you’re an agent, navigating car insurance claims after a car accident can be confusing, at the very least. Collision Masters of Lexington is familiar with filing a claim after an accident, and we’re here to help get you through it. We work with your insurance company by advocating for your vehicle to receive the best quality service and parts available.
Kentucky Car Insurance Laws
Kentucky is a no-fault state regarding car accidents. This means that every driver involved in a collision must begin by filing an insurance claim with their own company. There are three main types of car insurance:
- Liability: Kentucky law requires every driver to have minimum liability insurance to help pay the associated expenses if you injure another person or their property during a car accident.
- Collision: This optional insurance covers the repair cost to your vehicle regardless of which driver is at fault.
- Comprehensive: Another optional type of coverage applies to most situations outside liability and collision claims, including theft, vandalism, and weather events.
Collision Repair After a Car Accident
Your insurance company will likely recommend collision repair centers, but you are not obligated to take your car there. It’s important to remember that car insurance companies want the repairs done as quickly and cheaply as possible, often at the expense of quality results. Choosing the collision center you prefer gives you the peace of mind that your vehicle will receive the attention it deserves. Collision Masters of Lexington will directly tow your car to our collision repair center from the accident scene.
Filing an Insurance Claim After a Car Accident
You want to file your car accident insurance claim immediately because the process can take some time. We suggest contacting the police after any car accident. Still, if you don’t, you must file a Civilian Collision Report with the Kentucky State Police within ten days of an accident that caused $500 or more in damage to property or a person. Having specific information on hand will help you navigate the insurance claim:
- Your policy number
- The full name and insurance information of the other driver
- The time and location of the accident
- Data from the police, including any report numbers and the names of officers you spoke to
- Any injuries that occurred
- The name and location of the collision center your car was towed to
Working With An Insurance Adjuster
An adjuster will contact you within a few days after you file your car insurance claim to discuss arrangements to assess the damage to your vehicle. Your adjuster may also request access to police reports and official witness statements. Some car insurance companies require you to share a copy of a repair estimate from the collision center before deciding on a payout amount. Our certified technicians are happy to speak with the adjuster to make the process easier for you.
Getting Repairs After a Car Accident
You will be responsible for paying your policy deductible. For example, if the total repair cost is $2,500 and your deductible is $500, the insurance company will only pay $2,000 for collision repair. There are different ways an insurance company can disperse funds; some may give you a check, and you can use the money as you wish; others send the money directly to the repair shop. You may also receive a two-party check that requires authorization from the collision center and your signature to be cashed.
Let Us Help You Navigate Your Car Accident Insurance Claim
Collision Masters of Lexington is here to make submitting a car accident insurance claim as simple as possible. Our certified technicians have years of collision repair experience, ensuring the work performed on your car will be among the best in the industry. Contact our family owned and operated business today for an estimate, including photo estimate assistance. We are at 765 E. New Circle Road in Lexington, serving the greater Lexington, KY, area, including Nicholasville, Jessamine County, Fayette County, and Woodford County, KY.
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