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After a car accident, the usual process involves contacting your insurance company, waiting for an adjuster to evaluate the damage, and then enduring more wait time for repairs at a body shop. What if you could skip the middleman and submit photos directly to your insurer, who would then review the damage and provide an estimate? While this might sound like a time-saving solution, Connecticut’s Auto Body Association recently explained to FOX 61 why this method can be risky and even compromise your safety.
Before jumping into a photo-based insurance claim, here are five important factors to consider:
**1. Not All Damage Is Visible**
Insurance companies often promote their photo systems as a fast way to process claims, but they may not account for hidden damage. Many drivers only submit pictures of surface-level issues, such as dents or scratches, while overlooking internal problems like damaged electronics, frame distortion, or suspension issues. Driving in a vehicle with undetected damage can put you at greater risk on the road.
**2. Repair Costs Can Rise Drastically**
Once a professional mechanic inspects your car, repair costs can increase significantly—sometimes up to five times the initial estimate. Some insurers may only cover the original assessment, leaving you responsible for the extra charges. However, others, like AllState, work directly with body shops to reassess and adjust the claim accordingly.
**3. Best Suited for Minor Damage**
Photo claims are most effective for small, straightforward issues, such as a broken turn signal or a cracked headlight. In these cases, the damage is clearly visible and easy to assess. But for more complex accidents, relying solely on photos might not be sufficient or even necessary.
**4. Photo Claims Are Becoming Commonplace**
Insurance companies like Essurance, AllState, and Metlife are increasingly offering photo-based claims. If your provider offers this option, you may receive a call about eligibility. Still, it's important to remember that adjusters are still involved, especially for more detailed assessments. For a thorough evaluation after a collision, going the traditional route might be safer and more reliable.
**5. Photos Can Be Critical in Legal Situations**
Even if your claim is processed through a photo system, there’s always the possibility that your insurance company may dispute coverage, especially if you’ve suffered injuries. To protect yourself legally, take clear, detailed photos of the accident scene using your phone or camera. Make sure to capture:
- The accident from multiple angles and distances.
- Weather conditions, such as snow, ice, or rain.
- Damage to all vehicles and property involved.
- Skid marks, traffic signals, and road signs.
After any accident, it's wise to have a trusted auto body shop, like DaSilva’s Auto Body, inspect your vehicle first before proceeding with repairs. Contact us today to schedule an appointment or learn more about our services. Your safety and satisfaction matter to us.