Car accidents are stressful enough, but dealing with insurance after a car accident can feel overwhelming. From filing a claim to getting an estimate and choosing a repair shop, there are many steps involved — and knowing what to expect makes the process easier. This guide will walk you through the insurance claims process, answer common questions, and explain how a trusted collision repair shop like Purnell Body Shop can help simplify everything.

Why Dealing with Insurance After a Car Accident Feels Complicated

After an accident, you’re often shaken up and unsure of what to do next. Insurance companies require detailed information, accident reports, and supporting documentation before they will pay for your vehicle’s repairs. On top of that, you may be without transportation while your car is in the shop. Understanding the steps involved will make the experience less stressful.

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Step 1: Filing a Claim

The first thing you need to do is file a claim with your insurance company. This notifies them of the accident and begins the process of evaluating your damages. When filing, you’ll be asked for details such as the time of day, location, direction of travel, whether there were injuries, and whether the police were involved. This is often called collecting the “Facts of Loss.”

Tip: If you already know which body shop you’d like to use, you should tell your insurance company at this stage. By naming a shop like Purnell Body Shop early in the process, you set yourself up for a smoother experience later.

Step 2: Getting an Estimate

One of the most common concerns drivers have is how insurance estimates work. In the past, an adjuster might come in person to look at your car. Today, many insurance companies use smartphone apps to collect photos, or they rely on collision repair shops to provide estimates directly.

• Estimates via smartphone app: You’ll be guided through uploading photos of the damage, which an adjuster reviews remotely.
• Estimates via body shop: A trusted collision repair shop will inspect your vehicle, document visible damage, and submit the estimate to your insurer. 

Both methods lead to an official estimate that determines the amount the insurance company is willing to cover.

Step 3: Choosing a Repair Shop

Many drivers wonder, “Do I have to use the repair shop my insurance company suggests?” The answer is no. In most states, including here in the Mid-Atlantic, you have the legal right to choose your own repair shop. Insurance companies may recommend shops in their network, but you can select the shop you trust most.

Purnell Body Shop, for example, works directly with several major insurance carriers through Direct Repair Programs. This allows us to streamline the process by handling estimates, photos, and communication electronically. You’ll spend less time waiting and more time getting your car safely repaired.

Learn more about our help with Auto Insurance here.

Step 4: Understanding Repair Options

Once the estimate is complete, you typically have three options: 

1. Repair your vehicle at the shop that provided the estimate.
2. Take the estimate to another shop (though they will be bound by the original insurance-approved estimate).
3. Accept a cash payout from the insurance company and decide whether or not to repair the vehicle. 

Each option has pros and cons, but most drivers prefer repairing their car at a shop they trust to ensure safety and quality workmanship.

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Common Questions About Insurance and Collision Repair

Do I Have to Pay a Deductible?

Yes, in most cases you’ll be responsible for your deductible before the insurance covers the rest. The exact amount depends on your policy. 

What If the Insurance Estimate Misses Damage?

It’s common for hidden damage to appear once a vehicle is disassembled. Reputable shops, like Purnell Body Shop, will work with your insurance company to update the estimate and ensure everything is covered. 

How Long Does the Insurance Claim Process Take?

The timeline depends on your insurer, the complexity of the accident, and how quickly you provide information. However, working with a Direct Repair shop often speeds things up significantly.

Can I Drive My Car After the Accident?

This depends on the severity of the damage. If your vehicle is unsafe, don’t risk driving it. Towing may be necessary until repairs are complete. 

Does It Matter Who Is at Fault in the Accident?

Yes, fault plays a big role in how your insurance claim is handled. If you are at fault, your own insurance will cover the repairs to your vehicle through your collision coverage (minus your deductible). If the accident was caused by another driver, their insurance should pay for your repairs. In cases where fault is disputed, both insurance companies may investigate before deciding who pays.

Regardless of fault, you always have the right to choose your own repair shop. Working with a trusted collision repair partner ensures your car gets the proper repairs while the insurance companies settle responsibility.

How Collision Repair Shops Simplify Insurance Claims

One of the best ways to reduce stress when dealing with insurance after a car accident is to partner with a shop that has established relationships with insurers. At Purnell Body Shop, we communicate directly with insurance companies, handle estimate submissions, and keep you updated at every step. Our experience means fewer headaches for you.

Why Experience Matters

Insurance companies process thousands of claims every day. For them, it’s routine. For you, it’s stressful and confusing. By choosing a body shop with years of experience navigating insurance claims, you gain an advocate who ensures your vehicle is repaired correctly and your claim is processed smoothly.

Final Thoughts on Dealing with Insurance After a Car Accident

While the process may seem overwhelming, following these steps — filing a claim, getting an estimate, choosing a repair shop, and understanding your repair options — can make everything manageable. Most importantly, remember that you have the right to select a shop you trust.

At Purnell Body Shop, we make the insurance and repair process simple, so you can focus on getting back on the road. From start to finish, our team is here to support you through the claims process, provide accurate estimates, and deliver high-quality repairs.

If you’ve recently been in an accident and are dealing with insurance after a car accident, contact Purnell Body Shop today. Our experienced team will guide you through the process and get your car safely back on the road.