I have had an accident that is my fault. How do I file an insurance claim?

The first thing to do is to contact your insurance agent. He or she can help you file your claim or can give you the correct number to call. You will be asked a series of questions regarding the accident and may be asked to provide a police report.

My accident was someone else's fault. How do I proceed?

The person who caused the damage to your vehicle should either compensate you for the repair of should file a claim with their insurance company. If their insurance company accepts liability, they will pay for your repairs and in most cases will provide you with a rental car.

How do I get an estimate?

The insurance company may instruct you to go to a collision repair shop for an estimate or they may send an adjuster to appraise the damage. Quality Collision Repair offers detailed, computerized estimates free of charge with no appointment necessary.

Please remember that even if the insurance company tries to refer you to a specific shop, by law you have the right to have your vehicle repaired at the shop of your choice.

Why is my insurance estimate lower than the estimate I got at my preferred collision repair shop?

It is common for estimates to vary. This is due in part to the insurance company's guidelines on parts. Be sure the adjuster explains what type of parts have been allowed (for example, new, aftermarket or used).

It is important to show the insurance estimate to the collision repair shop of your choice so that they will know which parts have been approved. If additional parts or labor are required, the repair shop will work with the insurance company for reimbursement of these charges.

How do I set up a rental car?

If your insurance company is paying for your repair, you should check with your agent to see if you have rental coverage. If you do, you should let your claims representative know as soon as possible that you will need a rental car. He or she will set this up for you with a local rental car company. You may wish to call the rental car company to confirm the reservation. If another person's insurance company has accepted liability for your repair, you may automatically be entitled to a rental car. Again, the insurance company will set this up for you.