How to Get Your Car Insurance Claim Paid

The vast majority of U.S. drivers will be involved in a car accident, no matter if we are talking about a minor collision or one with severe injuries, during their driving years. It is important to know how fill in a claim to your insurer and get proper reimbursement. Claim types include bodily injury claims for medical expenses and property damage claims to vehicle repairs and stolen property.  Read more about how to get your car insurance claim paid and visit our website for free quotes on car insurance.

# car-auto insuranceFirst of all, contact your insurer as fast as possible.  You will need to file a claim if your car is stolen, damaged by an accident, vandalized or damaged by other factors not related to an accident.

There are cases when the resolution is not satisfactory or the company does not want to pay, invoking several reasons, like car parts costs.  You can generally use any repair shop to get your car fixed, but taking your car to a repair facility on the insurer’s recommended list may expedite your claim. Some insurers have special one-stop claims facilities where you can take your car, meet a claims representative and arrange for a rental car.

If your body shop says it will cost more to fix the car than the insurance appraiser says, provide a detailed estimate from the shop to the insurer. Sometimes the difference can be a result of policy specifics — if, for example, your insurance covers after-market parts but the body shop wants to use original manufacturer’s parts. You may also have the right to get an “independent appraisal” — you get an appraisal yourself and a third party weighs that along with the insurer’s appraisal and settles on the number.

If the insurer says your car is totaled — because it will cost significantly more to repair your vehicle than it’s worth — and you disagree on the value it has assigned, make a case for why your car is worth more. Compare the selling prices of used cars the same age and in similar condition in your area (and check used-car values at and

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