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How to Handle your Property Damage Claims after an Auto Accident

How to Handle your Property Damage Claims after an Auto Accident

If you’ve been in an auto accident, the first thing you want to do is to make certain that you aren’t injured in any way. Once you’ve done that, you can see to your vehicle. In most car collisions, the drivers aren’t injured at all, but the vehicles have hundreds or, more likely, thousands of dollars of property damage. This damage includes more than just the damage to the vehicle – it includes the damage done to any personal items that were in the vehicle at the time of the accident.

But actually handling a property damage claim can be confusing for people who have never dealt with one before. Here are the basic steps for making and handling a claim. Note that these steps assume that the accident was not your fault.

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    1. Are you Eligible?

    First, confirm that you are eligible to file a property damage claim with you’re auto insurance company. You can do this if you meet one of the following conditions:

    • Your vehicle incurred damage of any kind when hit by another.
    • You want that damage to be repaired by a professional.
    • Your car was damaged badly enough that you will need a temporary replacement while it gets repaired.
    • Your personal property was damaged or destroyed and you want to be compensated for its loss.

    If even one of these four points applies to you, you can file a property damage claim. If you’re uncertain if you can, you can speak to an auto accident attorney.

    2. Have the Right Information

    Unfortunately, many people miss their opportunity to get all of the right information because some of the things you may need when making your claim can only come from the scene of the accident. Remembering to gather all this information after being in an accident can be difficult, especially if you’ve been hurt or are badly shaken.

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    Make sure you know if a ticket was issued to the other driver. If the police who arrive at the scene decide that someone was at fault, they will issue a ticket. This is evidence that the other driver was negligent and will make your claim go through much more quickly and easily.

    You also need to collect as much information about the other driver, their insurance company, and the accident itself. Don’t rely on your memory – write everything down, put it in your phone, or even record it in a voicemail if you have to. You want to be sure you have all of the driver’s information – their phone number, address, and driver’s license information. You also need to know what insurance company they use, the company’s contact information, and their policy information. Finally, make sure you take note of any telling statements, especially if the other person admits guilt.

    Next, if you have your phone with you, take as many pictures of the accident itself as you can. This includes pictures of the other vehicle, the area, anything broken that has fallen off the cars, and any personal property that was damaged.  If you think it might be of use later, photograph it.

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    3. Make the Claim

    If you decide to file a claim, the first thing to do call your insurance company. You are required to file a claim with your own insurance company even if the accident wasn’t your fault. You can file your claim directly with the other person’s insurance company, too, but all insurance companies do require you to file with them as well. In many cases, it’s your insurance company that will get you in a rental car and will pay many of the upfront costs. Once the other insurance company has accepted liability, they will be reimbursed.

    Don’t wait for the other person’s insurance to contact you. In some cases, you’ll be waiting forever – the other person may not know that they are required to make a claim, and they may not want to admit that they were at fault. Get the process started as soon as you can. You don’t need an auto-accident attorney to file an insurance claim, but you may need to consult one if there is any resistance to your claim.

    4. Call the Other Insurance Company

    Next, call the other insurance company and make a claim. You will work with a claims adjuster and will be given a claim number, which you need to make sure you write down. Give them all of the information you gave to your insurance company. You’ll need to provide the claim number to your auto-accident attorney if you end up hiring one.

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    5. Get the Police Report and Weather Report

    Once the official police report is available, be sure to request a copy. You also want to get the weather report for the day of the accident, too. This can help prove your claim if the other person is saying the accident was due to weather conditions. Submit both of these reports to both insurance companies and your attorney.

    6. After the Claim

    Once the claim has been filed, you’ll work with the claim adjuster to coordinate the repairs to your vehicle. Remember, you can choose any auto repair shop you want, but the insurance may only be willing to pay for a certain amount. You can also ask for a rental car. You have the right to one, especially if your vehicle cannot be driven and will take several days or weeks to be fully repaired.

    7. Good Luck on your Claim!

    Making an auto accident claim is never fun, especially if the other driver is refusing to acknowledge guilt. Have you had any claim horror stories? Share them with us!

    Featured photo credit: Auto accident claim via flickr.com

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    Last Updated on April 19, 2021

    40 Healthy And Really Delicious Meals You Can Make Under $5

    40 Healthy And Really Delicious Meals You Can Make Under $5

    Ever had those moments where you really wanted to eat something delicious and healthy but didn’t have the financials means to do so? Whether you’re a student or parent, this compilation of 40 great, healthy, and inexpensive recipes will make every night special and help you get fit! No more meals where you have to force the food down! It’s time to make that budget your best friend and turn it into great recipes. Enjoy!

    1. Fish Tacos in Crunchy Shells ($3.56 per serving)

    Is there a better way to end the day than a Fish Taco dinner filled with protein and nutrients and is easy on the wallet? This recipe calls for a boys’ or girls’ night in front of a good movie or game.

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      2. Mini-Meatball Noodle Soup ($3.43 per serving)

      We’ve heard of the delicious spaghetti and meatballs recipes, but imagine having that same meatball goodness in a soup? It’s like Christmas in a bowl. Healthy, warm, and only $3.43 per serving.

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        3. Spaghetti and (Vegan) Meatballs ($2.13 per serving)

        Now it’s time to look at the traditional spaghetti and meatballs recipe, but with a little twist: vegan meatballs. This way, you can enjoy the Italian tradition without adding on the extra calories. I’m sold!

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          4. Kabocha Squash and Lentils ($3.12 per serving)

          Absolutely delicious way to end the day with a Kabocha Squash and lentils dinner. The beauty of this recipe is that you can actually make many other things from the mixture, from dips to full-on meals. All under $5 per serving.

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            5. Baked Coconut Lentils ($0.91 per serving)

            Coconuts are always a good idea, but it doesn’t have to be eaten only for dessert or breakfast. With this great recipe, you can now eat a lunch or dinner filled proteins and a coconut twist. Yum!

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              6. Easy Marinated Roasted Chicken ($3.40 per serving)

              We love chicken and at less than $5 per serving, we are in heaven with this recipe. Add some vegetables and rice on the side and you’ve got yourself a full meal!

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                7. Organic Greens and Goat Cheese Gratin ($2.36 per serving)

                This is absolutely divine. You get in your healthy greens and your fat macros with this great recipe. Takes only a few minutes to make and it’s easy on the wallet. Bon Appetite!

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                  8. Beef Pot Roast ($3.22 per serving)

                  One word: perfect. This meal will warm your insides and fill you up with the high protein content.

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                    9. Fajita-Style Quesadillas ($0.43 per serving)

                    If you want to eat Mexican tonight but want to stay in your budget, this Quesadilla recipe is your best friend. It’s tasty and filled with healthy ingredients for less than a dollar per serving.

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                      10. Fish Tostadas with Chili Lime Cream ($2.82 per serving)

                      Another great lunch idea for the busy days ahead. Prep this in the morning or the night before and you’ve got yourself a healthy and cheap lunch meal!

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                        11. Beef and Black Bean Chili ($1.36 per serving)

                        Might not look like much, but this amazing chili is actually extremely healthy for you. The protein from the beef and the carbs from the black beans will fill you up in no time, and keep you full for a long period of time. Delicious and warm, just right for the winter!

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                          12. Crispy Fish and Peppers ($2.18 per serving)

                          Amazing recipe for anyone looking to change up their meals while keeping their macros in check and not going overboard on spending. Satisfies your crunch tooth (see what I did there?) and gives you all the protein you need to stay full and lean.

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                            13. Vegetarian Gumbo ($1.50 per serving)

                            You have the perfect macro mix here with the carbs, fats, and proteins. At less than $5 per serving, you’ve got yourself a meal that will last for the whole week!

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                              14. Mexican White Bean Soup ($0.99 per serving)

                              With the cold weather creeping in, it’s not a surprise that soups are coming back in style. This great Mexican White Bean Soup dish will keep you warm for winter without making a hole in your pocket.

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                                15. Black Beans with Mango & Cilantro ($0.38 per serving)

                                Mangoes make every dish a little bit sweeter, which is why we absolutely love this recipe. A normal rice and bean dish might be a little meh, but add the sugary taste of mangoes and you’ve got yourself a party!

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                                Black-Bean-Cilantro-Mango

                                  16. Bean Burritos ($0.71 per serving)

                                  If you’re having people over tonight and don’t want to spend too much time or money on food, this dish is a great option! You can even cut up the burritos into pieces and make finger foods while everyone’s watching the game or gossiping.

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                                    17. Five-Spice Beef Kabobs ($2.43 per serving)

                                    The spices in this recipes add a delicious twist to the beef kabobs, which is definitely worth trying!

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                                      18. Cornmeal Crusted Pork ($1.92 per serving)

                                      If you like the fried crunch but want to opt for a healthier alternative, cornmeal is your man. This healthy recipe will satisfy all your fried desires without making you pop open your pant’s button.

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                                        19. Chicken, Tomato & Cucumber Dinner Salad ($2.57 per serving)

                                        Easy to do, extremely healthy, and super delicious. A must-try!

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                                          20. Lentil Soup with Beef and Red Pepper ($1.90 per serving)

                                          I can’t believe how cheap this meal is, especially for all the nutrients it contains. You can make a big pot on Sunday night and divide it into small portions to last you a whole week.

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                                            21. Smoky Mushroom Stroganoff ($1.90 per serving)

                                            Craving pasta but not sure what to top it off with? How about smoky mushrooms with a twist?

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                                              22. White Bean Tuna Salad ($1.36 per serving)

                                              You can add this White Bean Tuna Salad in your sandwich or just eat it as-is for a quick lunch on a busy day.

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                                                23. Sausage Eggwiches ($0.80 per serving)

                                                Who says you have to eat fast food to get an eggwich? This delicious recipe will give you an amazingly healthy eggwich for less than a dollar per portion. Can you say Breakfast?

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                                                Sausage-Eggwiches

                                                  24. Baja-Cali Black Bean Salad ($1.17 per serving)

                                                  Great snack to add to a movie-night with friends. You don’t have to use chemically-processed salsas anymore, you can now use this homemade salad for your chip dips.

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                                                    25. Gnocchi, Sweet Corn & Arugula in Cream Sauce ($2.24 per serving)

                                                    Italians always knew how to make carbs look good! This delicious Gnocchi recipe will give your lunch a whole new meaning. Easy to make and only $2.24 per serving.

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                                                      26. Vegetable Lasagna ($1.73 per serving)

                                                      If you were looking for a healthy lasagna, you’ve just found it. At under $5 per serving, you can fill yourself up right away without putting on the extra calories.

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                                                        27. Fajita-Ranch Chicken Wraps ($2.05 per serving)

                                                        Don’t know what to make for lunch this week? How about delicious chicken wraps with a healthy ranch? This recipe will make all your lunches, even the quick ones, healthy and colorful.

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                                                          28. Quinoa with Pan Roasted Brussels Sprouts ($1.24 per serving)

                                                          A dish that has quinoa and brussel sprouts can’t be unhealthy, it just can’t, which is why this dish is one to keep in the books. Easy to make, healthy, and will keep you full for a long period of time.

                                                          Quinoa-Brussels-Sprouts

                                                            29. Butternut Squash Chili ($1.04 per serving)

                                                            You don’t need meat to make chili now that you have this recipe! It’s 100% healthy, filling, and smells absolutely delicious.

                                                            Butternut-Squash-Chili

                                                              30. Fast Shrimp Bisque ($2.03 per serving)

                                                              Seafood doesn’t have to be expensive if you know how to do it right, and this fast shrimp bisque is a great recipe to try if you’re in the mood for some seafood!

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                                                                31. Chicken-Noodle Casserole ($0.98 per serving)

                                                                Looks divine doesn’t it? This super easy to make dish will satisfy all your taste buds without burning a hole in your wallet or adding a few extra numbers on the scale.

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                                                                  32. Burrito Cups ($1.18 per serving)

                                                                  Entertaining someone tonight and don’t know what to make as appetizers? These burrito cups are a great alternative to chips or other greasy finger foods. All you need to enjoy it is a spoon and a cup.

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                                                                    33. Lemon-Dill Shrimp & Pasta ($2.45 per serving)

                                                                    Another impressive shrimp recipe under $5 per serving. The lemon-dill twist adds a great taste to the dish.

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                                                                      34. Potato Frittata ($0.87 per serving)

                                                                      If you want to eat potatoes for breakfast but still want it to be healthy, this is the recipe for you. At under a dollar per serving, this potato frittata will make you see potatoes in a whole new light.

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                                                                        35. Grilled Pork and Pineapple ($2.67 per serving)

                                                                        Meat and fruits? Oh, yes. The juiciness of the pork mixed with the liquid sugar in the pineapple will make you wish you knew about it sooner.

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                                                                          36. Greek Honey-Lemon Pork Chops ($2.15 per serving)

                                                                          Another splendid recipe mixing sweet and salty for a healthy meal. Easy to make and absolutely mouthwatering.

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                                                                            37. Jamaican Pork Stir-Fry ($2 per serving)

                                                                            You can add this healthy stir-fry to any dish as a side or amply enjoy it as-is for lunch or dinner. You can even make a wrap sandwich out of it if you’re in a rush to eat.

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                                                                              38. Herbed Salmon ($2.49 per serving)

                                                                              Salmon contains a healthy dose of fats that will boost your metabolism, lower inflammation, and make you happier. At under $5 per serving, need I say more?

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                                                                                39. Five-Spice Pork Kabobs ($1.96 per serving)

                                                                                Exquisite recipe under $5 per serving that will most definitely awe everyone at your dinner party.

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                                                                                  40. Stuffed Sweet Potatoes with Mango-Black Bean Salsa ($1.24 per serving)

                                                                                  You don’t have to eat sweet potatoes alone anymore with this flavorful recipe.

                                                                                  stuffed-sweet-potatoes

                                                                                    Featured photo credit: Featured Photo Credit: 5 Dollar Dinners via 5dollardinners.com

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