Once you file an accident claim, your insurance adjuster will take the following steps: Review the claim and check for the following information: Police report Your insurance policy number Names of both drivers and all passengers involved in the accident The other driver’s insurance information Details of the accident If available, photos of the accident and the vehicles involved Once they review the basic information, they will begin the investigation. The insurance adjuster will consider the damage to the car, the injury, and the details of the accident. Your settlement amount will depend on the type of car insurance policy the driver owns: Bodily injury should cover the medical expenses of the other driver. Property injury covers the damage to the other vehicle you caused. Comprehensive insurance covers the damage to your vehicle caused by circumstances other than accidents, such as theft and weather events. Collision insurance covers damage to your car caused by a collision, regardless of fault.