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What happens after I file a car insurance claim?

So, I called my insurance after hitting another vehicle. Both cars had barely any damage and I called my insurance leaving a voicemail. I have a question about what insurance companies can do specifically.

Agent Answer

Ava Lynch

So, overall, it will depend who is at-fault for the accident (which can only be determined by the claims adjusters assigned to the claim) and what coverage the determined at-fault party has. For example, if you’re determined to be at-fault, you would have to use your liability coverage in order to cover the damages to the other driver. Any damage to your vehicle would be covered by your collision coverage. If the other driver is determined to be at-fault, then it would be reversed – their liability coverage would repair your vehicle while their collision coverage would repair their own.

Usually, the process is pretty straight forward. You’ll need to get an estimate for the damages to your vehicle and a claims check will be made out to you. For more information, see our guide to claims and the entire claims process here.

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