After a collision, dealing with insurance can feel just as stressful as the accident itself. Understanding how the claims process works—and what your rights are—can help you avoid delays, unexpected costs, and unnecessary frustration. Being informed before filing a claim puts you in control and helps ensure your vehicle is repaired properly.
At Ben Nielsen’s Charles County Auto Body, we work with insurance companies every day and help drivers throughout Indian Head and Charles County navigate the claims process with confidence. Here’s what you should know before filing an insurance claim after a collision.
Know When to File a Claim
Not every accident requires an insurance claim. Minor cosmetic damage may sometimes cost less to repair out of pocket than paying a deductible or risking higher premiums. However, if there is significant damage, structural concerns, or another vehicle involved, filing a claim is usually the best option.
When in doubt, a professional inspection can help determine whether filing a claim makes sense.
Document the Accident Thoroughly
Before contacting your insurance company, gather as much information as possible. Take photos of vehicle damage, the accident scene, license plates, and any visible injuries. Exchange insurance and contact information with the other driver, and obtain a police report if one was filed.
Accurate documentation helps support your claim and prevents disputes later.
You Have the Right to Choose Your Repair Shop
Many drivers don’t realize they have the legal right to choose where their vehicle is repaired. Insurance companies may suggest “preferred” shops, but you are not required to use them. Choosing a trusted, local auto body shop ensures repairs are done correctly and to manufacturer standards.
Understand the Insurance Estimate
An insurance estimate is a starting point—not a final repair cost. Hidden damage is common after collisions and may not be visible during an initial inspection. Once repairs begin, additional damage may be found, requiring a supplemental estimate.
A qualified auto body shop will communicate directly with your insurer to handle these adjustments.
Be Aware of Aftermarket and OEM Parts
Insurance policies may specify whether aftermarket, recycled, or OEM (original equipment manufacturer) parts are used. Understanding your policy helps you know what to expect and what options you may have when it comes to replacement parts.
Let Professionals Handle the Process
Working with an experienced auto body shop can simplify the entire claims process. From communicating with insurance adjusters to ensuring repairs meet safety standards, professional guidance makes a big difference.
Trust Charles County Auto Body After a Collision
At Ben Nielsen’s Charles County Auto Body, we help guide our customers through the insurance claims process from start to finish. Serving Indian Head, MD, we work with all major insurance companies and focus on restoring your vehicle safely and correctly.
If you’ve been in a collision and have questions about filing an insurance claim, contact Charles County Auto Body today for expert guidance and reliable repairs.