To receive a financial settlement from your auto insurance policy, you’ll have to file a claim with your insurer. To do so, call the claims number listed on your insurance card.
At that time, the insurer will evaluate, appraise and document the damage to your vehicle. They will also review the various terms within your plan—coverage limits, deductibles and exclusions—to calculate precisely how much money (if any) you’re entitled to receive for the various damage and losses.
Usually, the claims process will take a few days or weeks, and your insurer will keep you informed about the status of your claim and notify you about any technicalities that might complicate the process.