Repair Shops and Your Collision Policy

Navigating the complexities of car insurance after a collision can be overwhelming. I understand how stressful it is to deal with repairs and insurance claims, especially when you're unsure about your collision policy. This guide will walk you through the process, providing clear steps to make the experience smoother.

What to Do Immediately After a Collision

Following a collision, your immediate actions are critical. First, ensure everyone's safety and call emergency services if needed. Then, document the accident scene thoroughly: take photos of vehicle damage, the surrounding area, and any visible injuries. Exchange information with the other driver(s) – names, contact details, insurance information, and driver's license numbers. If you are involved in an accident involving more than one car, ensure that you exchange your details with everyone involved.

Step-by-Step Guide to Filing a Collision Claim

Once the immediate aftermath is addressed, contact your insurance company as soon as possible to report the accident. They'll guide you through the claims process, which usually involves providing a statement, supporting documentation (police report, photos), and possibly scheduling an inspection of your vehicle. Keep all records related to the accident and repair process organised. You will be required to send this document to your insurance provider at the time of your claim. For example, if you are involved in a car accident in the USA and your car needs repair, it is very important to take photos of the damaged area and document the entire incident.

Choosing a Repair Shop

Your insurance company might have a preferred network of repair shops. Using one from this network can often streamline the process. However, you usually have the right to choose your own reputable repair shop as long as they provide a reasonable estimate and bill for the repair work. Always get multiple estimates to compare prices and services offered by different repair shops before deciding. For example, if you are looking for a repair shop in your area, you can compare different repair shops based on their reputation, their prices and the quality of their service. Also, make sure the repair shop is licensed and insured to provide repair services.



How Long Will My Claim Take?

Claim processing times vary based on the severity of the accident and the complexity of the claim. Minor claims may be resolved within days, while more significant incidents involving injuries or total loss can take weeks or even months. The claims process may also be delayed due to external factors, such as issues with obtaining independent valuations of the damage and the availability of spare parts for the repair of your vehicle. For example, if your car is damaged and you need it repaired quickly, this could take several days or even weeks depending on the nature of the damage and your insurance company's claims handling process. However, with the advancement of AI and automation, claim handling processes have become more efficient.

2025 Update

As of 2025, advancements in AI and automation have significantly impacted claim processing speeds. Many insurance companies utilize AI-powered tools for damage assessment and automated triage, leading to faster initial claim resolutions, particularly for minor collisions. The average turnaround time for minor claims in 2025 is often between 48 and 72 hours. However, claims involving injuries or total loss vehicles still require more time due to the additional investigations and assessments needed. The repair time also depends on the availability of spare parts for the damaged vehicle.

Real-Life Examples

Scenario 1: Minor Fender Bender

You were involved in a minor fender bender. You exchanged information, took photos, and reported it to your insurer. The damage was minimal, and the insurance adjuster approved a repair estimate within 24 hours. The repair shop completed the work in three days. Total time: four days.

Scenario 2: Accident with Injuries

You were involved in a more serious accident with injuries. After receiving medical attention, you reported the accident and cooperated with the investigation. The claims process took several weeks because of medical evaluations and legal proceedings, but your injuries were covered, and the vehicle was repaired once the claim was finalised. Total time: approximately 6-8 weeks.

Scenario 3: Total Loss

Your vehicle was deemed a total loss. Following the accident, you worked with the adjuster to determine the Actual Cash Value (ACV) of your vehicle. This process, including negotiating a settlement, took around two weeks. After the settlement was approved and the paperwork completed, you received payment and purchased a new vehicle. Total time: approximately two to three weeks

Legal and State Differences

Insurance laws vary by state. Understanding your state's regulations regarding Personal Injury Protection (PIP) or no-fault insurance, Uninsured/Underinsured Motorist (UM/UIM) coverage, and subrogation is crucial. PIP typically covers medical expenses and lost wages regardless of fault, while UM/UIM protects you if you're hit by an uninsured driver. Subrogation involves your insurer recovering costs from the at-fault driver's insurance company.

Timelines and Expectations

Typical timelines vary greatly depending on the claim’s complexity. Adjuster contact usually occurs within 24–72 hours of reporting. Investigation can take a few days to a few weeks, and repairs might take 3–10 days for typical damage. Total loss claims may take longer (2–4 weeks), and injury claims often have the longest timelines (several weeks to months).

FAQ

How do I choose a repair shop?

You can choose a repair shop from your insurer's network or select an independent shop. Get multiple estimates before making a decision.

What documents do I need to file a claim?

Typically, you need the police report, photos of the damage and the accident scene, and information from the other driver(s).

What is the average time to settle a claim?

This depends on the claim's complexity, but minor claims might settle within days, while major claims can take weeks or months.

What if I disagree with the insurance company's assessment?

You have the right to appeal their decision; follow your insurer's dispute resolution process.

Key Takeaways