Call us | Fresno: 559-275-9911 | Modesto: 209-492-9999

What Happens when I file an Auto Insurance Claim?

Posted on: 11Feb, 2016

Even when it is minor in nature, being involved in an auto accident can be an emotionally stressful experience and although filing your insurance claim may seem equally as stressful, it can also be intimidating and unpleasant. This is especially true when you have never had to go through the filing process before. However, you can relieve a lot of the emotions, intimidation, stress, and unpleasantness by knowing what you can expect the first time you have to file an auto insurance claim. Before You File, consider the Variables Involved There are a lot of questions that an individual has running through his or her mind when they have been in an accident and have to file that first insurance claim. This includes questions such as: • What if the accident was my fault? • What if the accident wasn’t my fault? • Will my premium rates increase? • How much will my rates increase? • Am I going to get cancelled? Granted, these questions are warranted, especially when you are filing your very first auto insurance claim. However, the truth of the matter is that there is no simple answer as this can oftentimes be an extremely complex process. Every individual auto accident is analyzed by utilizing a number of different variables including: • how many tickets for moving violations that are on your record • make, model, and year of your vehicle • the number of claims you have filed in the past • whether it’s your fault or not • your age and gender • your driving history Your insurer will typically determine the outcome of your insurance claim based on which of the following elements apply in your situation: • Cancellation and non-renewal – despite not cancelling you in some scenarios, over time, your driving record may get smudged with moving violations and a number of claims. In this case, your insurance company may decide that you are not a candidate for renewal and cancel you before your renewal becomes due. • Not your fault – if this is your very first accident, if your driving history is clean (no citations for moving violations and/or no prior claims filed with your insurer), and the accident was not your fault, there is a good chance your premium rates will not increase. • Your fault and bodily injuries result – if someone is injured in an auto accident that was your fault, you are going to lose any good driver discount you may have had and could see an increase in your premium rate of up to 25%. • Your fault and property damage results – if there was only property damage resulting from an auto accident you caused, there is a good possibility that you won’t lose your good driver discount (if you had one to begin with). However, there is a good possibility that your premium rate is going to increase. Establishing and Initiating the Claim For all intents and purposes, most of the major auto insurance companies today have implemented measures that have made their claims processes a lot easier. Despite the fact that you are still able to do this over the phone by calling the toll-free number they provide, you now have the advantage of being able to do everything online from the comfort of home. You will have to set up an online account in order to do so and some may even ask you to provide your Social Security number. From that point on, the system will walk you through the entire process. Filing by telephone requires calling the toll-free phone number that is provided by your insurer whenever you need to file a claim. In this scenario, you will talk with a live company representative who will guide you through the entire claims process and ask you a number of questions during the conversation. The benefit here is that some individuals are still reluctant about divulging their personal information over the internet. So you have the privacy option, plus there is more than one venue for handling your claim. Basically, it’s a win-win situation for everyone who needs to file an auto insurance claim. Keep in mind that no two insurance companies are alike. So you want to do a little bit of research about the claims filing process with your insurer before the need arises. That way, you’ll be better prepared.

All Insurance

start to get your insurance as soon as possible

Get a quote
our blogs

1How to Save Money by Choosing the Best Auto Insurance Deductible

Want create site? Find Free WordPress Themes and plugins.For many of us, our auto insurance premium is on

2Tips for selecting the Best California Auto Insurance Company

Want create site? Find Free WordPress Themes and plugins.Whenever it is time to renew your California aut

3Car Insurance for Foreigners in California | auto insurance non residents

Want create site? Find Free WordPress Themes and plugins.Any individual who drives a vehicle and has shop

4How to find the Cheapest Insurance Rates for High-Risk Drivers

Want create site? Find Free WordPress Themes and plugins.If you have a less-than-perfect driving history/

1Top 5 Tips for Saving Money on Your California Car Insurance Premiums

Want create site? Find Free WordPress Themes and plugins.One of the primary reasons that individuals tend

2What Happens when I file an Auto Insurance Claim?

Want create site? Find Free WordPress Themes and plugins.Even when it is minor in nature, being involved

310 Helpful Tips To Stop Car Theft

Want create site? Find Free WordPress Themes and plugins.One of the more common claims that many auto ins

4Avoid Auto Accidents – Keep Tires in Shape

Want create site? Find Free WordPress Themes and plugins.When you stop and think about, you are doing som

1How to Find Hidden Car Insurance Coupons

Want create site? Find Free WordPress Themes and plugins.It goes without saying that one of the most expe

2Understanding Auto Insurance Deductibles and Limits

Want create site? Find Free WordPress Themes and plugins.One of the most important purchases you will eve

3Tips to Consider when Buying Motorcycle Insurance

Want create site? Find Free WordPress Themes and plugins.It goes without saying that just like auto insur

4Misunderstandings about California Auto Insurance

Want create site? Find Free WordPress Themes and plugins.Most individuals typically go through their live

1Know More about Bad Credit California Auto Insurance

Want create site? Find Free WordPress Themes and plugins.Many individuals fail to realize how having a ba

2How to Cut Down Your California Car Insurance Costs and Save Money

Want create site? Find Free WordPress Themes and plugins.Here’s an important question. When was the las

3What are the Basic California Auto Insurance Requirements?

Want create site? Find Free WordPress Themes and plugins.As with any other state in the US, California la

4Ways To Lower Teen Car Insurance California Rates

Want create site? Find Free WordPress Themes and plugins.In this day and age, car insurance and teenage d

1How To Save More By Comparing Car Insurance Rates

Want create site? Find Free WordPress Themes and plugins.It goes without saying that you must be insured

2How Do Auto Insurance Companies Handle Claim Settlements?

Want create site? Find Free WordPress Themes and plugins.When you take into consideration that no two aut

3Can I Sell My Car Without Auto Insurance in California?

Want create site? Find Free WordPress Themes and plugins.Selling a car in California involves more than j

4What is the Eligibility for High Risk California Car Insurance?

Want create site? Find Free WordPress Themes and plugins.According the California Department of Motor Veh

1What is One-Day Temporary Car Insurance?

Want create site? Find Free WordPress Themes and plugins.For many individuals, there is nothing more conf

2What are the Advantages of Comparing Auto Insurance Costs?

Want create site? Find Free WordPress Themes and plugins.Whether you’re renewing your current auto insu

3The Importance of Reviewing Your Commercial Vehicle Insurance

Want create site? Find Free WordPress Themes and plugins.As a business owner, you know that you have to b

4Are Teens Liable for Higher Auto Insurance Payments?

Want create site? Find Free WordPress Themes and plugins.It goes without saying that auto insurance premi

1What You should know about Commercial Vehicle Insurance

Want create site? Find Free WordPress Themes and plugins.Many businesses today own a wide range of vehicl

2Understanding the Declaration Page of Your Auto Insurance Policy

Want create site? Find Free WordPress Themes and plugins.It goes without saying that auto insurance is on

3Importance of Reviewing Your Commercial Vehicle Insurance

Want create site? Find Free WordPress Themes and plugins.Although many business owners today tend to negl

4Helpful Tips for Purchasing California Auto Insurance

Want create site? Find Free WordPress Themes and plugins.Aside from a home and a vehicle, the most import

1California Auto Insurance Quotes – Online Shopping Convenience

Want create site? Find Free WordPress Themes and plugins.We all have a number of different bills that nee

2When Should You Change Your California Auto Insurance Provider?

Want create site? Find Free WordPress Themes and plugins.It doesn’t matter how discouraging or frustrat

3The Importance of Uninsured/Underinsured Motorist Coverage

Want create site? Find Free WordPress Themes and plugins.When you are purchasing an auto insurance policy

4Important Tips for switching California Auto Insurance Carriers

Want create site? Find Free WordPress Themes and plugins.Although switching California auto insurance car

1How Much California Auto Insurance Coverage Do You Need?

Want create site? Find Free WordPress Themes and plugins.Whenever you own a vehicle in California, it goe

2Collision vs Comprehensive Coverage

Want create site? Find Free WordPress Themes and plugins.Every California auto insurance company offers t

3Why Should You Compare Different California Car Insurance Rates?

Want create site? Find Free WordPress Themes and plugins.Whenever you are shopping for California car ins

4Understanding The Different Truck Insurance Coverage Plans

Want create site? Find Free WordPress Themes and plugins.All companies must purchase insurance coverage p

1How to Lower Your Commercial Vehicle Insurance Premiums

Want create site? Find Free WordPress Themes and plugins.For many businesses large or small, commercial v

2How to Calculate Auto Insurance Deductibles

Want create site? Find Free WordPress Themes and plugins.The amount of money that you need to pay out of

3Can Your California Auto Insurance Company Deny Your Claim?

Want create site? Find Free WordPress Themes and plugins.Here is a very real scenario to consider. Let’

4What Types Of California Car Insurance Do You Need?

Want create site? Find Free WordPress Themes and plugins.Without exception, if you are going to drive leg

1Most Common California Car Insurance Terminologies

Want create site? Find Free WordPress Themes and plugins.Many of us have difficulties understanding the d

2How do California Car Insurance Companies calculate Risk?

Want create site? Find Free WordPress Themes and plugins.For California car insurance companies, the amou

3Dispelling the most Common Car Insurance Myths

Want create site? Find Free WordPress Themes and plugins.Over the years, we have been subjection to numer

4How to Lower Your California Car Insurance Premium Rates

Want create site? Find Free WordPress Themes and plugins.Whether you have purchased your insurance from a

1Commercial Vehicle Car Insurance Laws in California

Want create site? Find Free WordPress Themes and plugins.Whether you own a business and employ licensed d

2What Affects Car Insurance Prices?

Want create site? Find Free WordPress Themes and plugins.It’s safe to say that shopping for car insuran

3Know about the Penalties when Driving without Car Insurance

Want create site? Find Free WordPress Themes and plugins.It goes without saying that the economy in Calif

4Insurance Facts on Used Cars

Want create site? Find Free WordPress Themes and plugins.In addition to the fact that purchasing a new ve

1How to Compare California Car Insurance Companies

Want create site? Find Free WordPress Themes and plugins.Without a doubt, one of the most important decis

2Car Insurance for Foreigners in California

Want create site? Find Free WordPress Themes and plugins.Any individual who drives a vehicle and has shop

3Which Companies have Top Auto Insurance Ratings in California?

Want create site? Find Free WordPress Themes and plugins.Searching for auto insurance in California can b

4Tips To Select Best Insurance Quote Online

Want create site? Find Free WordPress Themes and plugins.It goes without saying that shopping for insuran

1Is there Liability Insurance on filing SR 22 in California?

Want create site? Find Free WordPress Themes and plugins.As with so many other states, California require

2How to get Best Rates on California Car Insurance Quote?

Want create site? Find Free WordPress Themes and plugins.The internet has made it much easier for individ

3Are Free Auto Insurance Quotes Valid Online?

Want create site? Find Free WordPress Themes and plugins.One of the most convenient tools that a person c

4Eligibility For Affordable Car Insurance California

Want create site? Find Free WordPress Themes and plugins.Car insurance can be very expensive. It can take

1How To Get The Best Rates With Online Car Insurance California

Want create site? Find Free WordPress Themes and plugins.Everyone needs car insurance. It protects you, y

2More about using auto insurance calculator California

Want create site? Find Free WordPress Themes and plugins.Before you purchase car insurance, you should ha

3Ways to Get SR22 Insurance Quotes California

Want create site? Find Free WordPress Themes and plugins.Do you need insurance and you live in California

4How do I get Cheap Car Insurance Online?

Want create site? Find Free WordPress Themes and plugins.One of the many benefits that the internet has p

1Documents Needed To Avail Best Rates On California Car Insurance

Want create site? Find Free WordPress Themes and plugins.No matter what company you deal with for your ca

2Are Auto Insurance CA Calculators accurate?

Want create site? Find Free WordPress Themes and plugins.One of the many benefits that the internet has a

3Choosing Car Insurance Brokers in California

Want create site? Find Free WordPress Themes and plugins.If you are in the market for a new car insurance

4Get Best Quotes with Online Auto Insurance California

Want create site? Find Free WordPress Themes and plugins.Online shopping is possible today in so many dif

1How to Process Online Auto Insurance California

Want create site? Find Free WordPress Themes and plugins.It’s nice to shop in the comfort of your own h

2Quick Facts about Car Insurance Prices in California

Want create site? Find Free WordPress Themes and plugins.Everyone needs to have some type of car insuranc

3Are Free Auto Insurance Quotes Valid Online?

Want create site? Find Free WordPress Themes and plugins.One of the most convenient tools that a person c

4Understanding California Liability Car Insurance

Want create site? Find Free WordPress Themes and plugins.California state law requires that you are finan

1Tips on How to Lower Car Insurance

Want create site? Find Free WordPress Themes and plugins.Here’s a question for you. When was the last t

2How do I get Cheap Car Insurance Online?

Want create site? Find Free WordPress Themes and plugins.One of the many benefits that the internet has p

3Documents Needed To Avail Best Rates On California Car Insurance

Want create site? Find Free WordPress Themes and plugins.No matter what company you deal with for your ca

4Are Auto Insurance CA Calculators accurate?

Want create site? Find Free WordPress Themes and plugins.One of the many benefits that the internet has a

1Choosing Car Insurance Brokers in California

Want create site? Find Free WordPress Themes and plugins.If you are in the market for a new car insurance

2Get Best Quotes with Online Auto Insurance California

Want create site? Find Free WordPress Themes and plugins.Online shopping is possible today in so many dif

3Getting the Cheapest Car Insurance California

Want create site? Find Free WordPress Themes and plugins.There are so many choices out there today for ca

4Quick Facts about Car Insurance Prices in California

Want create site? Find Free WordPress Themes and plugins.Everyone needs to have some type of car insuranc

1Does It Make Sense To Choose Very Cheap Car Insurance California?

Want create site? Find Free WordPress Themes and plugins.Car insurance is such a huge expense to any hous

2More about using auto insurance calculator California

Want create site? Find Free WordPress Themes and plugins.Before you purchase car insurance, you should ha

3Ways to Get SR22 Insurance Quotes California

Want create site? Find Free WordPress Themes and plugins.Do you need insurance and you live in California

4Cras et libero at metus ullamcorper lacinia

Want create site? Find Free WordPress Themes and plugins.Cras et libero at metus ullamcorper lacinia tell

1Suspendisse lacinia ligula erat

Want create site? Find Free WordPress Themes and plugins.Suspendisse lacinia ligula erat Nulla ac tellus

2Nulla ac tellus eu eros finibus sagittis eget ac felis

Want create site? Find Free WordPress Themes and plugins.Nulla ac tellus eu eros finibus sagittis eget ac

3Pharetra at arcu

Want create site? Find Free WordPress Themes and plugins. Cras magna velit lorem ipsum dolor sit amet, co

4Lorem ipsum dolor sit amet

Want create site? Find Free WordPress Themes and plugins.Lorem ipsum dolor sit amet, consectetur adipisci

1Nulla ac tellus eu eros finibus sagittis

Want create site? Find Free WordPress Themes and plugins.Lorem ipsum dolor sit amet, consectetur adipisci

2Tincidunt eu enim ac

Want create site? Find Free WordPress Themes and plugins.Lorem ipsum dolor sit amet, consectetur adipisci

3Morbi vitae ornare odio

Want create site? Find Free WordPress Themes and plugins.Lorem ipsum dolor sit amet, consectetur adipisci

4In other words there is no single individual

Want create site? Find Free WordPress Themes and plugins.In other words there is no single individual in

1There is no single

Want create site? Find Free WordPress Themes and plugins.there is no singlethere is no singlethere is no

2In other words,When it comes to shopping for a vehicle

Want create site? Find Free WordPress Themes and plugins.In other words,When it comes to shopping for a v

3There is no single individual in the marketplace

Want create site? Find Free WordPress Themes and plugins.There is no single individual in the marketplace

4When is the Best Time to Purchase a Vehicle?

When it comes to shopping for a vehicle and eventually purchasing one, there is no single individual in t

img

Samantha Paul

This was some of the best customer service I've had! Everyone was so nice. Inessa was awesome and helped me get everything I needed! She was very professional, but at the same time had fun with her job and with talking to people, which makes the experience more pleasant for the customer! I'm very happy I came here.

Nancy Garcia

Inessa is the best by far. I've been using Central Auto for years and every time I have had questions they are there to help and with the most sincere way. And every single one of them is helpful. Inessa did her magic and found me an insurance that is best for me financially and I cant thank her enough. I will definitely recommend and send friends and family here!! Thank you all at Central Auto Insurance.

Gus Gerrit Warnshuis IV

I have had Insurance here since 2013 and never had an issue. CAI always has great customer service! Inessa is the best!

Gloria Valdez

So awesome they gave me the rate I can afford and right I also took care of my DMV fee right there .

Ernestina Wright

Mari is friendly and efficient. She found my husband and I a good insurance company and saved us a ton of $$$.

Shandice Stennis

Inessa was awesome.. Very thorough and fast... I didn't have to wait long at all to be helped and the whole process was about 5 minutes long... I'm very satisfied!

Vickie Dale-Vaughan

Awesome Insurance Agency...very friendly team of professionals, who got me the best Insurance policy at a very reasonable price to fit my budget. I will refer others to go here who are looking for car insurance....Way to go Central Auto Ins!!!!