The auto insurance claims process is going through a major change and it just might not be what is best for you, instead of going to a drive-in where a trained... insurance company employee can physically inspect, take pictures, document your damage and then offer you money to settle your claim some insurance companies are pushing you to take your own pictures of the damage to your vehicle and submit them for a quick review by the insurance company and they will offer you a quick settlement for your damages. It is being sold as a more convenient way for you to quickly file and settle a claim, but it also can also short change you and not pay you for the actual damage to your vehicle. Experienced insurance professionals I know who have physically reinspected vehicles after the initial offer using the pictures submitted by the consumer told me their physical inspection resulted in almost double the cost to repair the same vehicles as was initially offered, but the insurance companies are not going to review every claim they are just testing it now..but if it reslts in less being paid for a claim do you think the insurance company is going to monitor every claim and pay you more? Experienced people at the body shops do not believe this photo system is good for you, it is a good alternative for real light damage such as scratches but you cannot tell how deep an impact is by just looking at an image on a computer screen hundreds of miles away and the consumer is not trained to capture the right angles and of the suns reflection on their vehicle. A body shop can submit supplements for additional damage that the insurance company missed in their review of the online photos but remember if it is one of the insurance companies preferred body shops that the insurance company sends tens of thousands of dollars worth of business to every week who is the real customer? And what about diminished value? Did you know that in addition to being paid for the damage to your vehicle if your claim is against someone else and their insurance company pays for the damage to your vehicle your vehicle has also lost some of its value because of the accident and the insurance company must pay you for that lost value. As I understand it, about 20% of the people take the money and do not get the repairs done so they can be losing hundreds of dollars because there is no re-inspection of the vehicle, that means no supplements for the additional damage that cannot be seen by just reviewing an image on a computer screen, that means the consumer does not really receive the actual payment for the damage to their vehicle plus they lose on collecting the diminished value of their vehicle. Some people pay an independent claims person to write an estimate for their property damage, with this easy photo claims for your vehicle will you need an independent claims person to review the damage to your vehicle also or will you lose money? Do you trust that the insurance companies will pay you the full amount that you are owed for the damage to your vehicle?