Home / Insurance claims
The shop works with all insurance companies.
A claim adds paperwork to an already bad day. Pick who is paying to see what usually happens next.
Who is paying for the repair?
General information, not insurance or legal advice. Your policy and your insurance company decide what is covered.
Claim on your own policy
- Report it to your insurance companyUse their app or the number on your insurance card, and write down the claim number.
- Tell them where you want the car repairedYour insurer may suggest a shop. Ask them how choosing your own shop works under your policy.
- Get the estimateBring the car to the shop or start with photos, and have your claim number handy.
- Approve, repair, pick upYour insurer reviews the estimate. Any deductible depends on your policy.
Claim on the other driver’s insurance
- Collect their detailsThe other driver’s name, insurance company and policy number, and the police report number if there is one.
- Open a claim with their insurance companyThey will look at who was at fault before they agree to pay.
- Get the estimateBring the car to the shop or start with photos, and keep the claim number with you.
- If it is slowAsk your own insurance company or agent about your options while fault is being decided.
Paying for it yourself
- Ask for an estimateNo claim needed. Start with photos on this site, or stop by the shop.
- Ask about the optionsAsk what repairing versus replacing a part would mean for the cost and the result.
- Agree before work startsGo over the estimate and ask anything before you say yes.
- Pick upLook the car over with the shop when you collect it.
Not sure whether to file a claim
- Start with an estimateKnowing what the repair involves helps you decide.
- Compare it with your deductibleYour agent can explain how a claim could affect your policy.
- Decide, then file if it makes senseIf you file, the estimate is ready to send.
- Questions?Request a call back before you decide.
Handy to have
What to have ready.
- Your insurance card and the claim number, if you have opened a claim
- The other driver’s name, insurance company and policy number, if another driver was involved
- The police report number, if there is one
- Photos of the damage and of the scene, if you took any
Questions about a claim?
Ask the shop before you decide.
Leave your number and the shop calls you back, or start with photos of the damage.