Advice Needed: Navigating My First Accident Claims Process
I was recently involved in a rear-end collision. I stopped for traffic, but the driver behind me, who was towing a trailer, didn’t stop in time. I suspect they were exceeding their vehicle’s towing limits, although I’m not sure how relevant that is. I filed a claim through their insurance (I have Collision coverage but want to avoid a rate increase), and they have been quite responsive so far.
Question 1: An appraiser came to assess my vehicle and provided an estimate for repairs. I understand that I have the right to choose where my car is repaired. However, what happens if they remove the bumper and discover additional damage underneath?
Question 2: I also visited a doctor for back pain related to the accident and received a medical release form requesting access to all my medical records. This seems excessive—can I request that they limit the release to only the records relevant to this specific incident?
Thank you for your guidance!
I’m sorry to hear about your accident! Here’s some guidance on your questions:
Q1: What happens if they pull the bumper and there is more damage behind it?
If the appraiser only assessed the visible damage and there’s more damage that becomes apparent after repairs begin, you should notify the insurance company right away. Most insurance policies have a procedure for additional claims when hidden damages are discovered, but you’ll typically need to provide evidence (like photos or the repair shop’s findings) to support your claim. It’s a good idea to keep all communication documented. Additionally, ensure that your chosen repair shop is aware of the situation so they can inspect thoroughly and report any extra damage they find.
Q2: Can you limit the medical release to only the visit related to the crash?
Yes, you can request that the medical release be modified to limit it to specific records related to the accident. It’s common for insurance companies to request access to comprehensive medical records, but you can advocate for your privacy. You might want to explain your concerns in writing and ask if they can provide a more targeted release. It may also be helpful to consult with a personal injury attorney, who can guide you on how to protect your interests while interacting with the insurance company.
I hope this helps, and I wish you a smooth recovery process!