How do I handle a property damage claim?
If your vehicle or other property has been damaged, here’s what to expect:
Vehicle claims usually focus on repair cost or total value. They move on a much different schedule than injury claims. You should start by documenting what happened.
DOCUMENT ALL DAMAGE BEFORE BEGINNING REPAIRS.
Save photographs, estimates, towing bills, and storage information. It’s important to understand the full extent of damage before fixing, as this changes the total repair cost and the total value.
DETERMINE HOW YOUR VEHICLE WILL BE TRANSPORTED AND IF A RENTAL IS COVERED.
Clarify repair and transportation arrangements. Ask about inspections, supplemental damage, rental authorization, and when rental payments begin or end.
Understand your choices and possible costs. Maryland allows you to choose a repair shop, but that does not guarantee payment of every charge. Deductibles and coverage limits may apply.
