March 13, 2025
Accidents can happen without warning, and when they do, dealing with an insurance company is often one of the first steps drivers take. While it may seem like a straightforward process, car claim procedures can involve several steps, each with its own timeline and requirements. Knowing how these companies typically approach the process can help us feel more prepared if we ever need to file a claim.
Initial Contact After A Collision
Once an accident has occurred, most people reach out to their insurance provider right away. This first contact usually involves sharing basic details—where and when the incident happened, who was involved, and what kind of damage occurred. In many cases, we’re asked to provide a written or recorded statement. Insurance representatives often ask questions intended to piece together what happened and determine who might be at fault.
During this stage, it’s also common to submit photos, videos, and a copy of the police report if one was filed. This documentation becomes part of the official file and helps support the claim moving forward.
The Claims Adjustment Process
After the initial report, the insurance company assigns a claims adjuster to review the case. The adjuster’s job is to evaluate all the information we’ve submitted, estimate the repair costs, and determine the payout amount. They may visit the repair shop or even inspect the vehicle in person. Sometimes, they may request a second opinion or additional documents before making a decision.
If liability is in dispute, the insurance company might conduct a more detailed review. This often includes reaching out to other parties involved in the crash or analyzing additional evidence like witness statements or surveillance footage if it’s available.
Repair Approval And Payment
Once the adjuster determines what repairs are necessary, the insurance company typically authorizes the work to begin. Many companies have a network of preferred auto repair shops, but we often have the right to choose where the vehicle gets fixed. In some cases, the insurer pays the shop directly. In others, we receive a check and handle payment ourselves.
If the car is declared a total loss, meaning the cost to repair it exceeds its actual value, the insurer will usually offer a settlement based on the vehicle’s pre-accident market value. We can accept this amount or, if we believe it’s too low, dispute the valuation using supporting documentation such as recent sales data or professional appraisals.
Common Delays And Disputes
Although the claims process is supposed to move efficiently, delays can occur. These can result from incomplete documentation, disagreements over repair costs, or challenges in establishing who was at fault. When problems arise, it’s important to stay in contact with the adjuster and keep thorough records of all communication.
In some situations, especially when the accident involves injuries or significant property damage, legal support can help move things forward. Our Port St. Lucie, FL car accident lawyer can provide support if negotiations stall or the claim is unfairly denied.
When Legal Guidance Makes A Difference
Even though insurance companies are supposed to act in good faith, their goal is to limit payouts. We’ve seen many cases where a claim was undervalued or delayed for weeks. That’s where firms like Tuttle Larsen, P.A. can help clarify our options and represent our interests. Whether the issue is about the settlement amount or the timeline for compensation, having reliable guidance can help us move forward with confidence.
If you or someone you know is dealing with a claim and facing unnecessary roadblocks, we’re here to help. Contact us today to discuss your situation and take the first step toward a fair resolution.
