Frequently asked questions about claims

Quickly find answers to the most common questions about claims below, or visit our Should I file? page to learn more about what you'll need and when to file.

Claims Center

Should I file?

Frequently asked questions about claims

More frequently asked claims questions

Do I need to report this claim to the state?

How does the claim process start?

What if my vehicle was stolen and not recovered?

What if my vehicle is a total loss?

How is a total loss determined?

If my vehicle is recovered, how will the damage to my vehicle be determined?

What is the Guaranteed Repair Network?

What are my rights regarding my vehicle repairs?

Why is the shop repairing parts rather than replacing them?

Why is the shop repairing parts that don't look damaged?

What are quality replacement parts and why are they in my estimate?

Do I need to get my vehicle repaired?

What if my vehicle is not drivable?

What do I do after I receive my estimate?

How is payment made?

What if additional damage is found after the initial estimate?

Does my insurance pay for a rental vehicle while my vehicle is in the shop?

Will I need to give the rental company a deposit?

How long can I keep my rental if my vehicle is a total loss?

How long can I keep my rental vehicle if my vehicle is repairable?

When does the rental period begin?

How can I help the process run smoothly?

My vehicle is in the shop. What now?

My stolen vehicle had a child safety seat in it. What should I do?

Will a deductible apply to the damage caused by a collision?

What is “Mini Tort”?

What is peril?

What is an insurance declaration page?