How the Auto Insurance Claims Process Works

After a car accident, its normal to feel rattled or anxious about what comes next. After all, your car is a vital part of everyday life and you’re likely to want it replaced as soon as possible so you can get back to normal. Understanding a little more about the process of auto insurance claims is a good way to know what to expect over the coming days and weeks.

The Auto Insurance Claim Process

After you report an accident to the auto insurance company, they will assign an insurance adjuster to your case. This person will oversee investigating the accident and resulting damage to your vehicle. If your vehicle is a total loss, they will decide how much compensation to award you. If you have witnesses to the accident or police statements, the adjuster will review these documents to try and help draw a conclusion. He or she may call you to take an official statement for the auto insurance company’s records as the investigation progresses.

Car Appraised By a Qualified Mechanic

Often, much of the damage done in an accident is internal damage that is hard for the untrained eye to spot. A qualified mechanic can tell if there is serious damage to the car’s structure or vital parts that no longer work properly. Depending on your insurer and their claims process, you may have to take the vehicle in to an approved auto repair shop so they can give an estimate of the total damage and the cost of repairs. Other insurers will ask you to get multiple estimates from local shops and pay you an amount to cover repairs based on these estimates.

Compensation and Deductibles

Once the repair is approved by the auto insurance company, you can then take the vehicle in for the repair work to be completed. If your vehicle is going to be in the shop for an extended time while parts are ordered and repairs are completed, your policy may cover the cost of a rental vehicle during this time. Whether or not you will have to pay anything at this time depends on the deductible amount on your policy. For example, if your deductible is $1000, but repairs come to a total of $2000, you will have to pay the deductible amount. The insurer will pay the remaining $1000.

While you may be nervous about navigating the process, as long as you cooperate with the insurer, it can be handled quickly.

Share this article

More Articles for You

How Much Money Does David Dobrik Make a Year from YouTube

Who is David Dobrik and what is he known for? David J. Dobrik, a 23-year-old media sensation. Unknown before 2013, …

Share this article

How Much Money Does Shroud Make – Shroud’s Net Worth

Shroud (Michael Grzesiek) is most known for his playing days as a Counter Strike: Global Offensive (CS:GO) pro player, Twitch …

Share this article

Uber Visa Credit Card Review – Should You Apply? Yes

Quite simply, the Uber Visa credit card is one of the most frequently used cards within my arsenal of credit …

Share this article

How Much Does Grubhub Pay Food Delivery Drivers

Ever wondered how much does the average Grubhub food delivery driver is getting paid? Grubhub is currently one of the …

Share this article

Depop vs Poshmark vs Mercari: Which Should You Use?

Who knew that selling trendy clothes just collecting dust from your closet would be the “hip” thing to do for …

Share this article

Overspending? 5 Easy Ways to Cut Your Personal Expenses

When we look at our finances and realize that things could be better, it’s easy to get caught up in …

Share this article