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How do you use insurance to fix your car?
My car was damaged in an accident. I wasn't at fault and need it fixed ASAP. How do you get insurance to fix your car?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m sorry to hear about your accident! It’s completely reasonable to want your car fixed ASAP.
Since you’re not at fault, you’ll want to submit a claim to the other driver’s
car insurance
. You should also inform your insurance company about the accident and pass along the other driver’s information. This will help move the claims process along much faster.Once the claim has been submitted, an adjuster will review the damage and determine the cost of repairs. You may be asked to submit estimates from auto body shops, as well.
You can get your vehicle repaired once the claim is approved—but the process isn’t always quick. It can sometimes take up to 30 days for claims to be approved or denied. Claims that don’t involve injury are typically resolved fastest.
But you may still be able to get back on the road quickly.
If you have
collision coverage
, some insurers will allow you to pay your deductible and go get your vehicle repaired ASAP. From there, your car insurance company would negotiate with the other driver’s insurance to pay them back for the repairs. In most cases, your deductible will be reimbursed, too.An accident will likely impact your car insurance premium—regardless of fault. Find out if you’re overpaying by shopping around. The
Jerry
app can collect quotes from up to 50 top insurance companies in seconds! And they even help cancel your old policy once you’ve made your pick.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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