How do I get the most money from a car insurance claim?

I’ve gotten into an accident for the first time in my life. It’s thrown a wrench into everything. How do I get the most money from a car insurance claim so I get back on track?

Answer
“I’m so sorry to hear about your accident; I hope you’re okay!
One of the best things you can do is to get the most money for your claim is to keep track and document everything. If possible, make sure to take photos of your car, the other driver’s car, and any important details or information.
Also, keep your receipts for any expenses related to the accident for your claim. Expenses can include:
  • Medical bills
  • Vehicle damage
  • Lost wages
  • Pain and suffering
Most car insurance companies will reimburse for injuries or difficulties an accident causes, so having proof can maximize your payout.
Beyond that, it’s best to get a couple of quotes from mechanics you trust for repairs. A quote can help you estimate the cost of repairs, which is helpful, especially if you have a deductible. It also gives you a better idea of the total cost of the accident.
If you know the cost of all the damages and injuries an accident caused, you have a better chance to negotiate or spot a lower offer from your insurance. While insurance protects you, you may need to negotiate with an insurance company to maximize your claim payout.
Since submitting an insurance claim or getting into an accident can often impact your rate, consider shopping around once you receive your payout.
An easy way to do this is with Jerry. Jerry is an app that gathers insurance quotes from top providers, ensuring you always have the best rate and coverage.”
Lauren Smith
Answered on Oct 07, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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