Insurers benefit, too, from diminished costs of sending out adjusters to deal with what turns out to be cosmetic injury, stated Loretta Worters, a vice president at the Insurance Info Institute. “It helps to get the claims filed, and their sources are utilized the place they’;re required most,” she stated.
But lots of drivers will find they still need to go the standard, slower route. “This is genuinely just for fender bender, nuisance claims,” explained Laurentino. If the injury is comprehensive or structural, insurers say, you will not be supplied the possibility to get a resolution through app. Accidents with injuries, or the place fault is undetermined, could also need a lot more investigation.
Yet another achievable hitch: Your phone’;s camera. If the image high quality is not wonderful, or it really is challenging for an appraiser to gauge the extent of that ding or scratch remotely, you are going to need to have an individual take a search in person.
Read A lot moreWhen home improvements offer you the most bang for your buck
With that in mind, the longer route is also still a great fallback if you will not agree with an insurer’;s remote assessment, explained Carney. “Often the fallback is, ‘I genuinely would like to consider it to an adjuster,'” she explained. “You can constantly say you disagree.”
—By CNBC’;s Kelli B. Grant.