Before you read
- 1
Claims generally begin with a report to your insurer, which you can usually do by phone, app or website.
- 2
An adjuster reviews the loss, and you will normally get a repair estimate or a valuation.
- 3
Keep notes, photos and receipts, and ask your insurer to explain anything unclear.
Report it
Your policy usually says how soon to report a loss. Be ready with the date, place, who was involved, and what you saw. Stick to facts, and if you are not sure about something, say so.
The adjuster
An adjuster looks at the damage, reads any police report, and decides how the claim fits your coverage. They may ask for photos, a recorded statement, or an inspection of the vehicle.
Estimates and repairs
Many insurers have preferred repair shops, but in many places you can choose your own. Ask whether the estimate is final or may change if the shop finds more damage.
If the car is a total loss
When repair costs are close to or above what the car was worth, the insurer may declare a total loss and pay its actual cash value, less the deductible. If you disagree with the number, ask how it was calculated and what evidence you can send.
Rental cars and other costs
Rental reimbursement, towing and storage are handled differently from policy to policy. Check what you bought and what the limits are.
Keep your own file
Save every email, claim number, estimate and receipt in one folder. If you feel stuck, your state insurance department can explain how to raise a complaint.
General information only. Clutchara is not an insurance company, agency, or broker, and this is not insurance, legal, or financial advice. Details vary by state and by policy; check with your own insurer, agent, or state insurance department. Updated October 30, 2026.