What Happens After I File a Claim?

After you file a claim, here's what to expect throughout the process.

Step 1: Claim Acknowledgment (Immediately)

• You receive a claim number
• Confirmation of coverage is sent
• Claims adjuster is assigned

Step 2: Initial Contact (24-48 Hours)

• Your adjuster reaches out to you
• They review incident details
• They explain next steps
• They answer your questions

Step 3: Investigation (Varies)

Your adjuster:
- Reviews your statement
- Contacts other parties
- Reviews police report (if available)
- Interviews witnesses
- Examines evidence and photos
- Determines liability

Step 4: Vehicle Inspection (1-3 Days)

• We arrange inspection of your vehicle
• May be done at repair shop or your location
• Damage is documented
• Repair estimate is prepared

Step 5: Repair Authorization

Once approved:
- We authorize repairs
- You can choose your repair shop
- We coordinate directly with the shop
- OEM parts are used for repairs

Step 6: Rental Car Arranged

If eligible:
- Rental coverage begins when your car enters the shop
- Up to $30/day, $900 maximum
- Coverage continues for reasonable repair time

Step 7: Resolution and Payment

• Repairs completed
• You pay your deductible (if applicable)
• We pay the repair shop or issue payment to you
• Claim is closed

Timeline Expectations

Staying Informed

• Your adjuster provides regular updates
• You can check claim status online
• Call us anytime with questions