The Definitive Guide to Handling Vehicle Strike Damage Claims

The Definitive Guide to Handling Vehicle Strike Damage Claims


Navigating the aftermath of a vehicle strike can be a daunting experience, especially if you're unsure of the steps you need to take to make things right again. Whether your property—be it your home, business, or any other structure—has been hit, getting the damage appraised and reimbursed fairly is crucial. Ultra Property Damage, Orlando's trusted loss adjusters, understand the complexities of vehicle strike damage claims. Consider this comprehensive guide your roadmap to claim success.


When Disaster Strikes: Your First Steps

The initial shock of a vehicle strike can be overwhelming. Upon finding your property damaged, your first priority is safety. Secure the impacted area and ensure that everyone involved is out of harm's way.

Safety First

If the vehicle strike has caused any immediate danger, such as a gas leak or potential structural instability, dial emergency services. Your safety and that of others should never be compromised. If it is safe to do so, take photographs of the scene before any cleanup or adjustments are made.

Gather Information

Collect as much information about the incident as possible. This includes the driver's information, such as their name, contact information, insurance details, and vehicle information. Eyewitness testimony and police reports can also be invaluable. Document every detail you can remember and consider keeping a journal as incidents unfold.

Understanding the Claims Process

After ensuring safety and gathering necessary information, you need to initiate the insurance claims process. Ultra Property Damage's Loss Adjusters are well-versed in dealing with vehicle strike claims and aid in making the process as smooth as possible.

Initial Consultation

Your journey with an insurance claim begins with an initial consultation. This is your opportunity to understand the coverage of your policy and the potential outcomes of your claim. Ultra Property Damage's loss adjusters can help you navigate the often-confusing jargon of insurance policies to ensure you get the best settlement possible.

Claim Filing

Your loss adjuster can assist you in filing your claim correctly. This includes submitting all the necessary documentation, such as photos of the damage, the police report, and eyewitness statements. These pieces of evidence can help substantiate your claim and expedite the process.

Assessing the Damage

Before any repairs can be made, the extent of the damage needs to be assessed. A professional appraisal is critical to ensure that all damage is accounted for and repair costs are estimated accurately.

Professional Appraisal

Engage a trusted professional to assess the damage. This can involve a structural engineer for significant damage or a contractor for cosmetic repair appraisals. The appraiser will provide you with a detailed report that can serve as essential documentation for your claim.

Documenting the Damage

The insurance company will want evidence of the damage. High-quality photographs, videos, and the professional appraisal report are crucial in demonstrating the full extent of the loss. The more thorough you are in documenting the damage, the stronger your claim will be.

Negotiating the Settlement

Once all the documentation is in place, it's time to negotiate your settlement. This step requires patience and a clear understanding of what you're entitled to under your policy.

Reviewing the Offer

The initial offer from your insurance company may not cover the full cost of the damage. It's typical for the first offer to be a low ball estimate. Review the offer with your loss adjuster to ensure it reflects the genuine cost of repair or replacement.

Providing Additional Information

If the initial offer does not meet the damage assessment report, you can provide additional evidence to support your claim. This may involve obtaining a second opinion from another appraiser or providing new evidence that wasn't available initially.

Appealing a Denied Claim

In some cases, your claim may be denied by the insurance company. If you believe the denial is unjust, you have the right to appeal. Your loss adjuster can assist you in preparing the appeal, which may include new documentation or legal advice.

Finalizing the Claim

Once a settlement has been agreed upon, the final stage of the claim process is settling the payment and commencing the repairs.

Claim Payment

Upon agreeing to a settlement, you will receive a claim payment from your insurance company. This payment should cover the cost of the damage. Verify that the funds received are consistent with the agreed-upon settlement.

Commencing Repairs

With the claim settled, you can begin the process of repairing the damage. Engage professionals to handle any necessary repairs or replacements. Retain all receipts and invoices related to the repair work; they can be used for potential tax benefits or in the event of future claims.

Finding a Reliable Loss Adjuster

Navigating the claims process on your own can be overwhelming. Ultra Property Damage understands the emotional and financial toll of property damage and works with you to achieve a fair settlement.

Why Choose Ultra Property Damage

When it comes to vehicle strike damage, having an experienced loss adjuster on your side is invaluable. Ultra Property Damage's expertise in the claims process and understanding of insurance policies gives you an edge in maximizing your claim.

Customer Testimonials

Don't just take our word for it. Ultra Property Damage has a track record of providing customers with the support and guidance they need during difficult times. Our satisfied customers can attest to the professionalism and effectiveness of our services.

Get in Touch for a Free Consultation

If you've experienced vehicle strike damage, don't face the claims process alone. Contact Ultra Property Damage for a free consultation and learn how we can help you get the settlement you deserve.



The process of handling a vehicle strike damage claim in Orlando, FL, can be complex and time-consuming. With the right preparation and support from a professional loss adjuster in Orlando, FL like Ultra Property Damage, this process can be much more manageable. Remember to prioritize safety, document the damage, and engage a reliable loss adjuster to help you navigate the claim process. By following this comprehensive guide, you can stand confident in securing the best possible outcome for your claim.

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