If you are in an accident, you will likely need to file an insurance claim for repairs. This process will differ depending on whether your own insurance is paying for the damage or if another driver was at fault and his or her insurance is covering the claim. Keep in mind that no insurance company can tell you which auto body shop you have to use. Although insurance companies may have preferred repair providers, the ultimate choice about who fixes your car is up to you. Here is what you need to know about the process of filing a claim.
Contact Your Insurance Company
When an incident happens, contact your insurance company as soon as possible. This is the start of the process of filing a claim. You should call your own insurance company even if another driver’s policy is paying for your repairs. Your insurance company will take the information you have about the other driver and work with that insurance company to facilitate your claims process. When you contact your insurance company, they will provide you with a claim number that will be attached to your case throughout the repair process. Keep this number handy, as you will need to supply it to the auto repair shop.
Get an Estimate
Take your car to a repair shop for an estimate. They can provide estimated repair costs to you and your insurance company and then schedule your car for repairs, as necessary. At this stage, the auto body shop can use your claim number to call the insurance company on your behalf. The payment for your repairs can be handled between your insurance company and the repair shop.
Pay Your Deductible
Before your insurance company pays on your claim, you will need to pay your deductible. The repair shop will collect this from you on behalf of the insurance company. When the deductible is paid and repairs have been completed and paid for, your claim will be closed.
B&L Automotive Repairs, Inc. is experienced in working with insurance companies to facilitate claims for auto repairs for our Chicago customers. Bring your car by the shop for an estimate or call (773) 463-1622 for more information.