Car accidents are stressful, and many drivers are unsure what happens once insurance becomes involved. Understanding the claim process helps set realistic expectations.
Step 1: Reporting the Accident
After ensuring safety and contacting authorities if needed, the accident should be reported to your insurance company as soon as possible.
This typically includes providing details about the incident, photos, and information about the other driver.
Step 2: Claim Review and Assignment
Once reported, the insurance company assigns a claims adjuster who reviews the details and determines coverage.
The adjuster may contact you for additional information or clarification.
Step 3: Vehicle Inspection
Your vehicle will be inspected to assess damage. This may occur at a repair shop, inspection center, or through photos submitted digitally.
The adjuster estimates repair costs based on the inspection.
Step 4: Determining Fault
Insurance companies determine fault using police reports, statements, and evidence.
Fault impacts which policy pays and how deductibles apply.
Step 5: Repairs or Total Loss Decision
If repair costs exceed the vehicle’s value, it may be declared a total loss.
In that case, the insurer pays the actual cash value of the vehicle minus any deductible.
Step 6: Payment and Claim Closure
Once repairs are completed or payment is issued, the claim is closed.
Medical claims or injury settlements may take longer depending on the situation.
Typical Timeline
- Claim filed: 1–2 days
- Inspection: 3–10 days
- Repairs or payout: 1–4 weeks
Final Thoughts
Knowing what happens after an accident helps reduce stress and confusion. While each claim is unique, understanding the process makes it easier to navigate.