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After an auto accident, the usual process involves contacting your insurance company, waiting for a claims adjuster to assess the damage, and then enduring more wait time for the auto body shop to complete repairs. What if you could skip the middleman and send photos directly to your insurer, who would then evaluate the damage and provide an estimate? While this may sound like a convenient shortcut, Connecticut’s Auto Body Association recently warned FOX 61 that this system has serious flaws that could even compromise your safety on the road. Before considering a photo-based insurance claim, there are several factors you should be aware of.
One major concern is how much damage your car actually sustained. Insurance companies promote their photo systems as a way to speed up the claims process, but they often miss hidden or internal damage. Many drivers only submit photos of visible dents and scratches, leaving critical issues like damaged electronics, frame misalignment, or suspension problems undetected. Driving in a vehicle with unaddressed damage can put you at greater risk.
Another issue is the potential for higher repair costs. Once a professional mechanic inspects your car, the final bill can be significantly higher than the initial estimate—sometimes up to five times more. Some insurers will only cover the original estimate, leaving you to pay the difference. However, others like AllState work directly with repair shops to reassess any additional damage and update the claim accordingly.
Photo claims are generally best suited for minor issues, such as a broken headlight or a faulty turn signal. In these cases, the damage might not require extensive repairs, and the photo system can be efficient. However, filing a claim for such small issues might not always be necessary, depending on the situation.
More insurance companies are starting to offer this service, including Essurance, AllState, and MetLife. If your carrier provides it, you may receive a call about eligibility. Still, it's important to remember that adjusters are still involved in the process. For a thorough evaluation after a collision, it might be better to go the traditional route.
Photos can also be useful if your claim goes to court. Even if you submit images to your insurer, having clear, detailed photos from the scene can support your case, especially if you suffer injuries or if the other party disputes the incident. Be sure to capture the accident from multiple angles, include weather conditions, show all vehicles involved, and document skid marks or traffic signals.
If you’ve been in an accident, it’s always wise to have a trusted auto body shop like DaSilva’s Auto Body inspect your vehicle first. They can identify hidden damage and ensure proper repairs. Contact them today to schedule an appointment or learn more about their services.