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Jamal reflects on these two clients’ situations and doesn’t want the same thing to happen to Stephanie, so he brainstorms some advice that he can give her when they reconnect. After Jamal clicks “send” on the email to the last client, a new message arrives in his inbox and it’s Stephanie’s Claim Worksheet. He takes a few moments to review it and all of the information needed is included. As Jamal organizes the files into her profile, his phone rings once more...
Stephanie: Hi Jamal, I finished the claims worksheet and just sent it your way.
Jamal: Yes, I have just taken a look at it and you’ve included every detail that we need!
Stephanie: Great! I had a stellar friend help me out to make sure I didn’t miss anything.
Jamal: Looks good. Now we at T-Wrecks Insurance will continue to review and process this claim, determine what will be covered, and assess the loss and damage. We will reach out if we need additional information and keep you updated on the status.
Stephanie: Thanks Jamal! Is there anything that I can do on my end to ensure that my claim gets approved?
Answer This:
9. What advice can Jamal give Stephanie to make sure that her claim gets approved?
Stephanie: Great advice...I’ll be sure to do so.
Jamal: You got it. Thank you for being a client with T-Wrecks Insurance and for being so proactive on getting this resolved as soon as possible!
Stephanie: Thank you so much for your help. Have a great day!
And with that last phone call, Jamal checks off his final big task on his to-do list for the day. He forwards all of Stephanie’s information to his T-Wrecks Insurance adjuster colleague and packs up to go home.
Answer This:
10. After assisting Jamal at the T-Wrecks Insurance office and helping Stephanie with her
claims worksheet, what are 3 things you want to keep in mind if you get into a fender bender accident? Explain why each of these aspects are important to the auto insurance claim process.
All Answers 1
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9. Practical advice Jamal can give Stephanie to help ensure her claim is approved
- Report the claim promptly and accurately. Meet any insurer deadlines and give complete, truthful answers—delays or omissions can slow or jeopardize the claim.
- Provide all requested documentation and keep copies: the claims worksheet, photos, police report, repair estimates, medical bills and records, and receipts for rental, towing, or other out‑of‑pocket expenses.
- Photograph and preserve evidence. Take clear photos/videos of the scene, vehicle damage, license plates, and any visible injuries as soon as possible.
- Exchange and record the other party’s information (name, contact, insurer, policy number, plate) and collect witness names/contacts—without admitting fault or apologizing at the scene.
- Get a police report if required or if there’s significant damage/injury—many insurers require it for liability/medical claims.
- Mitigate further damage. If the car must be moved or temporarily repaired to prevent more damage, do so and keep receipts—insurers expect reasonable steps to limit loss.
- Cooperate with the adjuster and respond quickly to requests. Timely cooperation speeds up investigation and payment.
- Ask before you repair. Confirm whether you should wait for an inspection or use an approved repair shop; doing unauthorized repairs could affect coverage.
- Keep a claims log. Record dates, names of people you spoke with, and summaries of conversations and decisions.
10. Three things to keep in mind after a fender bender, and why they matter
1) Document the scene and damage (photos, video, notes, witness info)
- Why it matters: Visual and written evidence preserves the condition of vehicles and the scene before anything changes. That documentation supports your version of events, helps the adjuster estimate damage, and can be decisive if there’s a dispute about fault or extent of loss.
2) Exchange information and get a police report when appropriate—but don’t admit fault
- Why it matters: Accurate contact, insurance, and plate information is essential for filing a claim and for insurers to coordinate liability. A police report provides an official record that many insurers use in their investigation. Saying “I’m sorry” or admitting fault at the scene can complicate liability determinations, so stick to facts.
3) Notify your insurer quickly, cooperate, and mitigate further damage (keep receipts)
- Why it matters: Timely notification meets policy requirements and starts the claims process sooner. Cooperating with the adjuster speeds investigation and payment. Taking reasonable steps to prevent additional damage (towing, temporary repairs, rental car) and keeping receipts ensures you can be reimbursed for necessary expenses and avoids claim denial for negligence.
- Report the claim promptly and accurately. Meet any insurer deadlines and give complete, truthful answers—delays or omissions can slow or jeopardize the claim.
- Provide all requested documentation and keep copies: the claims worksheet, photos, police report, repair estimates, medical bills and records, and receipts for rental, towing, or other out‑of‑pocket expenses.
- Photograph and preserve evidence. Take clear photos/videos of the scene, vehicle damage, license plates, and any visible injuries as soon as possible.
- Exchange and record the other party’s information (name, contact, insurer, policy number, plate) and collect witness names/contacts—without admitting fault or apologizing at the scene.
- Get a police report if required or if there’s significant damage/injury—many insurers require it for liability/medical claims.
- Mitigate further damage. If the car must be moved or temporarily repaired to prevent more damage, do so and keep receipts—insurers expect reasonable steps to limit loss.
- Cooperate with the adjuster and respond quickly to requests. Timely cooperation speeds up investigation and payment.
- Ask before you repair. Confirm whether you should wait for an inspection or use an approved repair shop; doing unauthorized repairs could affect coverage.
- Keep a claims log. Record dates, names of people you spoke with, and summaries of conversations and decisions.
10. Three things to keep in mind after a fender bender, and why they matter
1) Document the scene and damage (photos, video, notes, witness info)
- Why it matters: Visual and written evidence preserves the condition of vehicles and the scene before anything changes. That documentation supports your version of events, helps the adjuster estimate damage, and can be decisive if there’s a dispute about fault or extent of loss.
2) Exchange information and get a police report when appropriate—but don’t admit fault
- Why it matters: Accurate contact, insurance, and plate information is essential for filing a claim and for insurers to coordinate liability. A police report provides an official record that many insurers use in their investigation. Saying “I’m sorry” or admitting fault at the scene can complicate liability determinations, so stick to facts.
3) Notify your insurer quickly, cooperate, and mitigate further damage (keep receipts)
- Why it matters: Timely notification meets policy requirements and starts the claims process sooner. Cooperating with the adjuster speeds investigation and payment. Taking reasonable steps to prevent additional damage (towing, temporary repairs, rental car) and keeping receipts ensures you can be reimbursed for necessary expenses and avoids claim denial for negligence.
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