It depends on the situation. If you hit another vehicle or cause damage to someone’s property, you will likely need to file a claim with your car insurance company, which can usually be done in an app, online or by phone. A claims adjuster will evaluate the damage, take statements from you and the other party or parties involved, and send payments as needed. If another vehicle hits you, you may have your damage taken care of by their liability coverage. If they did not have coverage or do not have enough coverage to pay for your damage, you could use your uninsured or underinsured motorist coverage.