Summary
- A claim starts with a report to the insurer.
- An adjuster reviews the facts and the damage.
- Repairs, payment and any deductible come at the end.
Section 1.0
Reporting
The claim begins when you or the other driver notify an insurer. The policy usually asks for prompt notice.
Section 2.0
The adjuster
An adjuster is the person who reviews the claim. They may look at photos, inspect the car and talk to the drivers.
Section 3.0
Estimates and repairs
A repair estimate sets out the work needed. Many states let you choose the repair shop; your policy and state rules explain the details.
Section 4.0
Deductibles and payment
If your own coverage pays, the deductible is the part you cover first. If another driver is found at fault, their insurer may handle the cost instead.
Fenderiva is an information website, not an insurance company, agency, or broker. This site explains how auto insurance works. It does not sell coverage, produce quotes, introduce you to agents, or share what you send us with insurers, and it is not insurance, legal, or financial advice.