Overspray Claim Management-The Time Factor

Overspray Claim Management

For all of the headaches associated with an accidental overspray claim, one central factor remains a common thread among them all:

An accidental overspray claim that is not

addressed in a timely fashion can quickly turn into a circus

If you are a painting contractor or an insurance adjuster, you know this to be true.   After all, the injured party in an accidental overspray situation is apt to harbor pretty strong feelings about what has happened to his shiny new car.  Worse yet, even if the car is not so shiny and not so new, many claimants see an overspray scenario as an opportunity to turn their 1974 Gremlin into showroom material with a whole new paint job.

Either way, the last thing on an overspray claimant’s mind is patience.  And without some fast action on the contractor or insurance company’s part, that lack of patience is very likely to lead to one or more of the following claimant reactions:

Telling the world about their plight: In my experience, city mayors, CEO’s and even television stations have been contacted by complaining overspray victims when they are left to their own devices.  If claimants don’t get fast attention, they will give the issue plenty of negative press, and they’ll do it in front of anyone who will listen.  This kind of unfortunate response is entirely avoidable, if the responsible parties will simply allow claimants to vent frustrations on the contractor or insurance company instead of the local newspaper.  Additional reassurance can quickly be provided if those contractors and adjusters are able to tell claimants that a professional overspray removal company has already been dispatched to address the situation.

Becoming opportunistic: In addition to overvaluing obsolete cars or demanding complete paint jobs, overspray victims can escalate things to the point where they actually consider lawsuits.

Getting body shop estimates: This is another bad development, since many body shops are unproven when it comes to overspray removal.  Further, even the most reputable body shop has built-in incentive (such as the survival of their business) to recommend complete repainting and trim replacement.

Taking matters into their own hands: In the absence of prompt claim service, some owners of overspray-damaged cars might elect to take control of the process themselves.  Too often, this can result in grief and unhappiness for all involved, because inexperienced body and detail shops (or worse, the car owner himself) wind up damaging the finish and trim – leading to the responsible party paying for overspray removal twice.

These scenarios, all of which are usually avoidable, almost invariably lead to elevated tempers and escalating costs.  With larger claims, delays in communication are sometimes caused by the responsible party’s indecision about whether to submit a claim to their insurance company.  In other cases, the insurance company may be unable to react quickly enough to the claim because of standard procedures that must be observed.

But in every instance, insurance companies will honor the claimant’s choice if a reputable overspray removal company is selected. As such, it is usually in everyone’s best interest to hire the overspray service provider immediately, and then submit the claim to the insurance company later if necessary.

Prompt response is the bottom line when it comes to avoiding unhappy customers, and ultimately, higher costs associated with accidental overspray damage.

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