the inspection process
Not all claims will require an inspection (and our photo claims and video appraisal features 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.