If you decide to file a claim, it’s important to understand your coverage and follow the claims process outlined in your policy.

Your rights when you file a claim

What you can expect from the insurer

• A timely and clear explanation of their coverage decision
• A clear explanation of how they will pay your claim
• Timely responses to your questions
• Timely payments

Choosing the auto repair shop - Typically, the choice is up to you.

Choosing repair parts - Talk with the insurance adjuster about what kind of parts they want to use to fix your car. The adjuster might recommend using non-OEM (original equipment manufacturer) parts (also called aftermarket parts). They might also choose to select used parts from the same year as the damaged parts.

If you demand they use new, OEM parts, you may have to pay for the difference in cost.

Getting a rental car:

• If the other driver is at fault for the accident, his or her insurer may offer you some type of rental car coverage - either on a reimbursement basis or on a direct bill set up (the insurer pays it directly to the rental agency).
• If you're at fault, check your policy or with your agent to see if you have rental-car coverage.

Filing a diminished value claim after an accident

Diminished value is the difference (if any) between the market value of your undamaged car before an accident and its market value after repairs are made.

The insurer doesn't automatically pay you for diminished value. It's subject to proof that your car's market value decreased. If you plan to file a claim for diminished value, we recommend you talk to your claims adjuster.

Your responsibilities when you file a claim

You'll need to protect your car from any further damage and from causing injury to you or others.

Keep receipts for any roadside service expenses, such as towing.