How to Prepare for an Auto Insurance Inspection After an Accident

Accidents can be stressful, but handling the insurance process doesn’t have to be. If you’ve been involved in a car accident in Oregon, your insurance company may require an inspection of your vehicle to assess the damage before approving repairs or a settlement. Preparing for this step can help streamline the claims process and get you back on the road sooner.

Here’s what you need to know to prepare for an auto insurance inspection after an accident.

What to Expect During an Auto Insurance Inspection

Once you file a claim with your insurance company, they will likely schedule an inspection to review the damage to your vehicle. In Oregon, insurance companies generally must investigate claims promptly under state law. The inspection may occur at an auto body shop, a drive-in claims center or even at your home.

Follow the following steps to get ready:

• Clean your car. Remove personal items so the adjuster has clear access to view the damage.

• Gather documentation. Bring a copy of your insurance policy, the police report (if applicable), your driver’s license, and any repair estimates you’ve already received.

• Take photos. Before the inspection, take clear photos of the damage for your own records.

• Prepare to describe the accident. Be ready to explain how the accident happened. Stick to the facts and avoid speculating about fault unless you’ve discussed it with your insurer.

• Ask about next steps. During the inspection, don’t hesitate to ask when you can expect a decision and what the next steps will be in the repair or claims process.

Oregon law also allows you to choose your own repair shop, even if the insurer recommends a specific provider. It’s important to know you are not obligated to use a shop suggested by the insurance company.

Stay Informed and Protect Your Interests

Handling an auto insurance claim properly after an accident helps protect your rights and your finances. If you have questions about the claims process, need help understanding your policy, or want to explore better coverage options, Action Insurance Company is here to help. Contact us today to speak with an agent.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.