after you file your car insurance claim
After reporting a car insurance claim, you'll be assigned a dedicated claims representative who will help you through the entire process. Our goal is to contact you within 24 business hours to get your perspective and to gather accident info.
Your rep will then schedule a vehicle inspection at your convenience, or, if the damage is minor, you can submit photos of the damage through our features on Esurance Mobile to get an appraisal.
Either way, your dedicated claims representative is committed to helping you throughout the entire claims process. This can include:
- Helping you decide how the car's damage will be inspected (or if an inspection is even needed).
- Helping to arrange for a rental car, if needed, while yours is in the shop. We can help pay for it, too, if you have rental coverage on your policy.
- Explaining how you can monitor your claim online.
- Suggesting trusted repair shops in your area.
- Updating your claim status.
- Answering any questions you have along the way.
- Settling your claim quickly and fairly to help you get back on the road.
the inspection process
Not all claims will require an inspection (and our photo claims feature could help you skip this step), but if yours does, your claims rep will schedule an appointment with a claims adjuster or appraiser to examine your car.
Within one business day, your claims rep will contact you with an estimate for repairs. Depending on the extent of the damage, the appraiser will either settle the claim or set up an appointment to inspect the damage in person.
The adjuster's report
If your claims adjuster determines that the damage to your vehicle can be repaired, they'll contact your claims rep with a damage estimate.
The amount paid toward your vehicle repairs depends on the types of coverage you have on your car insurance policy and on the type of incident (collision, vandalism, etc.).
If your claims adjuster determines that the cost to repair your car exceeds your car's worth, they will suggest that it be written off as a total loss. The adjuster may also suggest totaling the car for a variety of other reasons, including salt water damage or a punctured firewall. At that point, your representative will make a recommendation for a settlement based on different factors, including your car's salvage value.