If you don’t handle the collision repair claim process properly, the aftermath of an automobile accident can be just as stressful as the accident itself. There are a few typical errors that can cause your repairs to be delayed, raise your out-of-pocket expenses, or have your claim rejected, regardless of whether you’re interacting with your own insurance provider or submitting a third-party claim. Working with innumerable drivers on their post-accident repairs, we at Universal Motorcars in Las Vegas have seen firsthand how avoiding a few crucial mistakes can make the entire process go more smoothly and more affordably.
This blog post will outline the most common errors that drivers make when submitting a claim for collision repair and explain how Universal Motorcars makes it easier for drivers to resume driving without the typical hassles.
1 – Waiting Too Long to File Your Claim
One of the biggest mistakes drivers make is delaying the claim process. Whether you think the damage is minor or you’re unsure if it’s worth reporting, waiting can complicate things. Insurance companies often have deadlines for reporting accidents, and if you miss that window, they might deny your claim entirely. It’s best to contact your insurer as soon as possible after the accident and gather all the necessary documentation.
Tip: Keep a record of the accident, take photos of the damage, and gather witness information immediately. The more evidence you have, the stronger your claim will be.=
Whether or not they are at fault in an accident is a question that many people have. You might be able to submit a third-party insurance claim under the other driver’s insurance if you are not at fault. This may lead to speedier repairs and spare you from having to pay a deductible. An investigation might be necessary, though, if fault is not evident.
In order to ensure that our clients are aware of their rights and options in the event of an accident, Universal Motorcars works closely with both first-party and third-party insurers.
3 – Presuming You Have to Use the Shop Suggested by the Insurance Company
Another frequent error is believing that you have to take your car to the repair facility that your insurance company has recommended. You have the legal right to select your own certified repair shop, even though these shops are typically included in the insurer’s Direct Repair Program (DRP).
All of the major insurance companies accept Universal Motorcars, an independent, certified collision repair facility. Without taking any short cuts, we guarantee that your vehicle will be brought back to factory standards utilizing high-quality components and methods.
4 – Not Understanding Your Insurance Coverage
Before you file a car repair insurance claim, it’s important to understand your policy. Many drivers are unclear on what is covered under comprehensive, collision, and liability insurance.
- Collision coverage pays for damages to your vehicle if you’re at fault.
- Comprehensive coverage handles non-collision events like theft or weather damage.
- Liability coverage covers damages to the other party if you’re responsible for the accident.
If you’re not at fault, the other party’s insurance may be liable for repairs under third-party insurance coverage. However, if you file under your policy first to speed up repairs, you may need to recover those costs later from the other insurer.
5 – Ignoring the Inspection or Estimate Process
Don’t let convenience lead you to skip this important step. Some people choose to accept their insurance company’s initial payout without obtaining a professional repair estimate. Underpayment may result from this, making you liable for expenses that ought to be paid.
To make sure insurance companies are aware of the entire extent of the damage, Universal Motorcars provides thorough, precise repair estimates. In the event that concealed damage is found during repairs, we also manage supplemental claims.
6 – Inadequately Recording the Damage
Documentation is crucial to insurance adjusters. You might receive a smaller settlement if you fail to take thorough pictures or forget to save repair estimates. Take pictures of the vehicle from a variety of perspectives, capturing both close-up damage and general views.
Universal Motorcars makes sure that all claims are supported by the appropriate paperwork at our shop. We supply all required documentation to expedite approvals and are aware of what insurers are looking for.
7 – Letting the Insurance Company Rush the Process
While it may seem beneficial to get your vehicle back quickly, rushing repairs can mean missed damage or improper fixes. Some insurance companies may pressure you to accept a quick settlement or choose a shop that prioritizes speed over quality.
At Universal Motorcars, our technicians follow manufacturer repair standards and don’t compromise on safety or quality—even if it takes a little more time. Your safety is our top priority.
8 – Paying Out-of-Pocket When It Could Be Covered
Sometimes, drivers think it’s easier to just pay for minor damage themselves. But even seemingly small repairs can cost thousands of dollars. If you’re not at fault, filing a not at fault collision claim through the other party’s insurance could save you money.
We help our customers at Universal Motorcars understand what damage is eligible for a claim and whether pursuing it makes financial sense. Our experience can prevent you from absorbing costs that should be covered.
9 – Failing to Follow Up on Your Claim
Filing a collision repair claim is not a “set-it-and-forget-it” process. You should follow up with your insurance company to make sure things are progressing and that no additional documentation is needed.
Our team at Universal Motorcars assists clients by staying in contact with insurance providers, pushing the process forward, and updating you every step of the way.
10 – Choosing a Shop Without Collision Repair Expertise
Collision repair is a specialized service. Not all auto shops have the equipment or certified technicians to handle structural repairs, paint matching, or safety recalibrations. Choosing a shop without the right expertise could impact your vehicle’s value or compromise safety features like airbags or sensors.
Universal Motorcars is a trusted name in Las Vegas for high-quality, factory-grade collision repair. Our technicians are trained and certified to work on a wide range of makes and models, and we offer a lifetime warranty on many of our repairs.
Final Thoughts: Partnering with the Right Shop Makes All the Difference
Filing a collision repair claim doesn’t have to be a nightmare. Avoiding these common mistakes can protect your finances, your time, and the long-term health of your vehicle. Most importantly, choose a repair partner you can trust.
At Universal Motorcars, we pride ourselves on being that partner. From the moment you walk through our doors, our team works with your insurance, documents every step, and repairs your car with the care and precision it deserves. Whether you’re filing a car repair insurance claim, dealing with third-party insurance coverage, or need help with a not at fault collision claim, we’re here to help make the process as smooth and stress-free as possible.
In brief,
It takes more than just calling your insurance provider to submit a collision repair claim. Common errors that can cost you money and time include choosing the incorrect repair shop, misinterpreting your coverage, and postponing the claim. By providing certified, reliable, and insurance-friendly repair services, Universal Motorcars in Las Vegas assists drivers in avoiding these pitfalls. We are the professionals you need when the unexpected occurs while driving, offering comprehensive documentation, truthful estimates, and top-notch repairs.
FAQs:
Can Universal Motorcars help me communicate with my insurance company after an accident?
Yes, Universal Motorcars has experience working with various insurance providers and can help streamline communication, documentation, and claim submission on your behalf.
Do I have to use the repair shop my insurance recommends?
No, you’re not obligated to use the insurer’s preferred shop. Universal Motorcars is an independent facility that works with most insurance companies while maintaining a high standard of service and transparency.
What should I do immediately after an accident before bringing my car in?
Ensure everyone’s safety first, document the scene for insurance, and then give us a call. We’ll guide you on what to do next and even help with towing if needed.
Do I need an appointment for an estimate or walk-ins are welcome?
Walk-ins are always welcome for quick assessments, but we recommend booking an appointment for a full inspection and detailed estimate.