Car accidents can be expensive. Even if the impact doesn’t total the vehicle, collisions can leave you with crunched bumpers, dented hoods, and broken auto glass. While repairing these issues may be costly, many drivers don’t have to pay out-of-pocket thanks to their auto insurance coverage. If you’re new to using policy benefits, consider this quick guide on what to expect throughout the claims process.  

How to File a Car Insurance Claim

1. Exchange Information & Document the Scene

The claims process should begin soon after the accident occurs. If there are other parties involved, exchange contact information and insurance policy details with all drivers.

Depending on the severity of the collision, you may also need to call the police so that they can file an official report. Also, take photos of the scene in case you need to submit evidence later on to support your claim.

2. Inform Insurance Carrier

Once you’ve got the immediate matters of the accident sorted out, you should report it to your auto insurance carrier. At this point, you’ll provide the details of the incident and the information of the other driver. Although every situation varies, your provider will likely ask a series of questions to shed more light on the situation and who was at fault.  

3. Meet With an Adjuster

The insurance company will send an adjuster to closely examine the damage. The adjuster will review this data collectively and assign a fair coverage value.

4. Get Repair Estimate

After the adjuster provides their analysis, arrange to have your car serviced by a qualified professional. For example, if you have cracked auto glass, you should work with a windshield replacement shop. If the frame is dented, visit a body shop to straighten it out.

The repair team will provide an official estimate of what it will take to fix the damage. This estimate is submitted to the insurance provider for approval.  

5. Submit Claim & Cover Payment  

Once the claim is approved, insurance funds are sent directly to the mechanic to cover the repairs. If the policy doesn’t cover all of the damage, you may be responsible for the remaining amount out-of-pocket.

If a collision has cracked your car’s windows or windshield, Expert Auto Glass in Riverton, UT, can provide comprehensive auto glass repairs. These specialists are equipped to remove small cracks and scratches, as well as replace entire windshields for drivers throughout Salt Lake County. They’ll come to your location to provide repairs and will work with your insurance provider to ensure you don’t have to pay more than necessary. To learn more about these services, visit them online. To request a free estimate, call (801) 569-2666.