Nobody plans to file an auto claim, but most drivers will eventually. Understanding the process ahead of time helps you make calm decisions on a stressful day.
The Most Common Claims
- Rear-end and intersection collisions. Usually handled under the at-fault driver's liability coverage, or your own collision coverage if you choose.
- Deer and animal strikes. Ohio has thousands of deer-vehicle crashes every year, especially in the fall. These are typically a comprehensive claim.
- Hail, wind and falling trees. Also comprehensive.
- Windshield and glass damage. Often handled quickly under comprehensive, sometimes with a separate glass deductible.
- Parking lot damage and hit-and-run. Collision, or uninsured motorist property damage if available.
- Theft. Comprehensive covers stolen vehicles and, in many cases, stolen parts.
What Happens After You Report a Claim
- Report. You or your agent notify the carrier and provide the facts, photos and any police report number.
- Assignment. The carrier assigns an adjuster who may inspect the vehicle or review photos.
- Estimate. The adjuster or an approved shop prepares a repair estimate. If repair costs exceed a share of the car's value, it may be declared a total loss.
- Repair or settlement. The carrier pays for repairs, minus your deductible, or pays the vehicle's actual cash value on a total loss.
- Rental and recovery. If you have rental coverage, it helps during repairs. If the other driver was at fault, your carrier may recover your deductible from their insurer.
Tips for a Smoother Claim
- Take photos before moving vehicles, if it is safe.
- Do not admit fault at the scene; stick to the facts.
- Keep receipts for towing, rental and other expenses.
- Ask questions. You have the right to understand your estimate and options.
As your independent agency, we help you start the claim and keep it moving, but your carrier makes the final claim decisions.