Filing an auto insurance claim can feel overwhelming, but the process follows predictable steps. Here's what to expect from first notice to resolution, with references to the California Department of Insurance.
1. Report the loss promptly
Contact your insurer as soon as possible after an accident. Most policies require timely notice. Provide factual details: date, location, parties, and a description of what happened. If you have a police report number or scene documentation, share it.
2. An adjuster investigates
Your insurer assigns an adjuster who reviews damage, statements, and any police report. They determine coverage and an estimated cost of repair. The adjuster may inspect your vehicle or direct you to an approved shop.
3. Vehicle inspection and repair
The insurer may inspect your vehicle or direct you to an approved shop. You may choose your own repair shop, but insurer networks can streamline the process. See the repair process for what happens after an estimate is approved.
4. Settlement
Once coverage and costs are confirmed, the insurer issues payment minus your deductible. If you disagree with the settlement, you can request reconsideration or file a complaint with the California Department of Insurance.
Keep records
Keep copies of your claim number, adjuster contact details, estimates, and all correspondence. Good records help if a dispute arises.
