If you have never been involved in an accident before, you may be unsure of what the process is for the insurance company fixing your car. Learning what you can expect will help you to better understand the process and prepare yourself as you navigate through this first in your life. Here is what you should expect when your insurance company is handling your car repair after an accident.
Step 1: Selecting an Auto Body Repair Shop
Following an accident, you will need to take your vehicle to an auto body repair shop. However, you may be unsure how this process works if your insurance is paying. Every consumer is allowed to select their own auto body repair shop as long as the shop is licensed and insured. But, if you don't know where to take your car, your insurance company can recommend shops to you as well.
Step 2: The Inspection
At some point in time prior to your vehicle being fixed, an insurance agent will likely look at your vehicle if extensive damage was done. They may come to your home before you take it to the auto body shop or visit the auto body shop after the car has been dropped off. This allows them to see the damage and estimate what the repair costs will be.
Step 3: Waiting
Once your vehicle has been inspected and sent to an auto body shop, there is nothing for you to do but wait. It is important to note that the wait may be slightly longer when dealing with your insurance company than if you didn't. This is because the auto repair shop will likely get authorization from both you and the insurance company when making repairs and/or if they need further authorization because they found more problems once they started digging around in your car. As hard as it may be, it is important to be patient.
Step 4: Picking Up Your Car
The last step in the process is to pick up your vehicle. If you have a deductible, you will pay the auto repair shop the deductible in order to pick up your car. Your insurance company will pay for the rest. If you are unsure if you will have to pay a deductible or what your deductible amount is, ask your insurance company before you come to pick up your vehicle so you are not surprised.
If you were involved in a car accident and need your car repaired, visit Suburban Auto Body in St. Paul, MN. We have years of experience working with individuals such as yourself and insurance companies, helping you to get your car back on the road as soon as possible. Visit our website today at to learn more about us.