Whether you’re involved in a fender-bender that results in minor damages to your vehicle or a more serious crash that leaves your car undrivable, it’s important to know what the vehicle damage claims process looks like after a crash. At the law office of MG Law, our experienced car accident attorneys can help you to file a claim and can provide you with representation along the way. Call our law firm today to learn more about our services. In the meantime, here’s an overview of what to expect throughout the vehicle damage claims process–

Request a Free Consultation

  • This field is for validation purposes and should be left unchanged.

DISCLAIMER: Please do not include any confidential or sensitive information in this form. This form sends information without encryption which is not secure. Submitting this form or sending email does not create an attorney/client relationship with any lawyer or MG Law. There is no attorney/client relationship created by reading or viewing this website. Until you have received from MG Law a written statement that we represent you in a particular matter (an “engagement letter”), you should not send to us any confidential information about any such matter. *

Steps in a Vehicle Damage Claim Process

Familiarizing yourself with the following steps in the claims process for vehicle damage can help to ensure that there are no surprises along the way. For more information that’s specific to your case, please call our law firm directly. 

  • Report the accident. First, to kickstart the claims process, satisfy the legal requirement and duty to report, and ensure that there is evidence linking your accident to your damages, you need to report the accident to the police. You should do this while at the scene of the accident if possible. Then, within 24-48 hours of your accident, you should report the accident to your insurance company. Note that if you wait too long to report your accident, your insurance company could deny your claim as such. 
  • Review your policy. After you give notice to your insurance company about your accident, the next step is to review your policy so you know what you’re entitled to, what the insurance company expects from you, how much coverage you have, what the process will look like, etc. Insurance policy language can be confusing, so don’t hesitate to reach out to an attorney if you need help making sense of anything. 
  • Gather documents to support your claim. The insurance adjuster assigned to your claim will contact you and will tell you what the insurance company needs from you in order to move forward with your claim. Likely, this will include a copy of the police report, a proof of claim form, information about you and your vehicle, and more depending on your situation. There will also be various documents specifically related to property damage that your insurance company will need – see below for more information. 
  • Get a rental car. Depending on what your policy says and what your needs are, you may be able to get a rental car on the insurance company’s dime. Review your policy to see if you have rental car coverage and, if you do, talk to the adjuster about how to move forward with the rental. Using a rental car while your own vehicle is being repaired may be very helpful. If you think that your policy entitled you to a rental car and your insurance is refusing to pay, call a lawyer for help. 
  • Know the process. The above steps refer to the claims process in general, but if you are seeking vehicle repair and filing a vehicle damage claim, there are things specific to this process that you should know. Here are some things to consider:
    • Know your vehicle’s value. One of the earliest things that you should establish in the claims process is the value of your car. If you’re not sure, use AutoTrader or other for sale advertisements to find the best display of fair market value. But if similar vehicles can’t be found, then try Kelley Blue Book or another guide to get a rough estimate.
    • Get an estimate. Your insurance adjuster will get an estimate from their mechanic for how much it will cost to repair your vehicle; you should do the same. In fact, the insurance adjuster will expect you to do the same so that the two estimates can be compared. Once a couple of estimates have come in, the insurance company will likely make a case to pay for the lowest bid. While the insurance adjuster cannot insist that you get repairs at a certain shop, they can request that you get more than one quote first if they think that the price is inflated. 
  • Negotiate a settlement. Once all of the bids come in–or your car is deemed to be ‘totaled’, you will be offered a settlement by the insurance company to pay for repairs or to compensate you for the costs of a new vehicle. Note that you do not have to accept this settlement if you think that it’s too low and, in many cases, the insurance adjuster may expect you to negotiate. If you want help during this process (which is highly recommended), reach out to a car insurance attorney directly.

How a Car Accident Attorney Can Help During the Vehicle Claims Process

Having an attorney by your side during the vehicle claims process can be a huge help. Your car accident attorney can help you by gathering all of the documentation that you need to submit to the insurance company; reviewing your policy so that you know what you’re entitled to and whether or not you can get coverage for certain things, such as a rental car; working with different mechanics and repair shops to get various bids, and then submitting these to the insurance company; representing you if you have a strong preference for where repairs should be performed; getting an estimate on the value of your vehicle before the crash; reviewing an insurance company’s settlement offer and negotiating that settlement; and more. Essentially, the job of an attorney is to provide you with protection throughout the process and improve your chances of recovering the greatest possible settlement.

Call MG Law Today for a Free Consultation

Navigating the vehicle claims process after an accident can be frustrating, especially if your vehicle has been severely damaged and you yourself are coping with injuries. While it’s easy to think that an insurance company is working for you, in many cases, insurance adjusters are trying to minimize the amount that they have to pay. To learn more about the claims process and how our Georgia car accident attorneys at the office of MG Law can help, please reach out to our team directly by phone or online at your convenience. We offer free consultations. 

Best Lawyers 2020

MG Law Awards & Accolades

American Association for Justice
Defending Liberty Pursing
Top 40 under 40
Top Rated Personal Injury
The ProBono Project
Top 100 Trial Lawyers
GeorgiaTrend Legal Elite
Super Lawyers - Rising Stars
GTLA logo
Young Lawyers Division
State Bar of Georgia
Best Lawyers 2020
GTLA Champion
book cover title

Download Your FREE Guide Today

"Buying Car Insurance: A Guide"


“Professional and amazing staff. Very informative in conveying information to you. They take time to help you, and share their knowledge with you for understanding throughout the process. As a client, I felt welcomed like family to the whole staff- Nicole makes the best cup of coffee in the world!”

Paul Anderson

"MG Law has the type of lawyer every client wants, and all other lawyers strive to be like. It is no coincidence that MG Law has the utmost respect and admiration of clients, defense attorneys, district attorneys, clerks, and judges alike. Their skills and hard work is surpassed only by modesty and compassion. If you are in need of a lawyer please contact them.. they have a wonderful staff they will do all they can to defend you or your family members."

Kelly T.

Our Skilled Attorneys

Why Should You Choose MG Law?

Dedicated To Providing Justice For Our Clients
MG Law is dedicated to the cause of justice. This dedication drives our attorneys to provide the best legal representation possible. Whether that means obtaining an in-depth understanding of city ordinances or being able to fully understand an insurance policy to maximize the recovery for our client, our focus on personal injury cases provides us with the knowledge and focus necessary to take on all types of cases and win. We stop at nothing to get our clients the best possible results.

We Have Experience Representing The Injured
At the law offices of MG Law, our attorneys only practice injury law, which means that we are devoted to being up to date on all matters of personal injury laws, rules, and regulations. Our attorneys have been awarded the prestigious National Trial Lawyers, 40 Under 40, and Top 100 Trial Lawyers awards. We have a 10/10 rating on Avvo and are rated AV Preeminent by Martindale-Hubbell.

Michael Geoffroy

Owner, Attorney

Chris Stastny

Associate Attorney

Sara Sully

Paralegal/Case Manager

Tashun Livingston

Paralegal/Case Manager