Dealing with insurance can feel like one more complicated task after an accident. Fortunately, most collision claims follow a general process.
Understanding what happens next can help you keep paperwork organized, ask better questions, and know where your collision repair shop fits into the process.
Step 1: Report the Accident
Notify your insurance company promptly and provide the information they request.
This may include your policy information, photos, accident details, information about the other vehicle, and any police report information available.
Your insurer may then assign a claims representative or adjuster.
Step 2: Vehicle Damage Is Reviewed
The damage to your vehicle needs to be assessed before the repair plan can be finalized.
Your insurer may inspect the vehicle directly, review photographs, or work from documentation and an estimate supplied by the repair facility.
Step 3: The Repair Shop Prepares an Estimate
The collision repair facility evaluates the visible damage and prepares an estimate showing the work and parts expected to be required.
That estimate is then reviewed as part of the insurance process.
Sometimes additional damage is discovered after damaged panels or components are removed. In those situations, the repair shop may prepare supplemental documentation and communicate with the insurance company before additional work proceeds.
Step 4: Repairs Begin
Once the appropriate approvals are in place, repairs can move forward.
The repair process may involve body work, structural repairs, replacement parts, refinishing, paint matching, reassembly, and final inspections depending on the damage.
Your repair facility should keep you informed if the repair plan or estimated completion date changes.
Step 5: Finalize the Claim and Pick Up Your Vehicle
When repairs are finished, the payment process depends on your insurance policy and claim arrangement.
You may also be responsible for a deductible based on your coverage.
Because every policy is different, questions about exactly what your insurer will pay, deductible amounts, rental coverage, and other policy benefits should be directed to your insurer.
You Don't Have to Handle the Repair Process Alone
A collision repair shop can help provide estimates, photographs, repair documentation, and other information your insurer may need.
Crown Towing & Collision Repair can also communicate with your insurance adjuster during the repair process to help keep everything moving.
If you've been in an accident and need help with towing or collision repair, call 503.705.7000.
