You’ve Filed an Auto Insurance Claim. What’s Next?
We understand the claim process can be unfamiliar. This guide can help you better understand what to expect now that you’ve filed your claim with Travelers.
We’ll review the details of your claim and follow up
There are a few different paths your claim may take. Once we’ve reviewed your claim, we’ll contact you with additional details.
If you’re curious about your policy, deductible or rental options, now’s a great time to log in to MyTravelers® to learn more.
Getting back on the road
Next, we’ll need to appraise the damage to determine how much repairs will cost.1 In some cases, we can get this started with photos you’ve taken from your mobile device.
If you’re not already working with a repair facility, MyTravelers® Repair Network can help you find a shop.1 Learn how MyTravelers Repair Network simplifies the estimate and repair process with our online guide.
If your vehicle is not repairable, we’ll support you through the total loss process and reach out with more details.
Get a payment for your claim
Once repairs are completed, payment is easy. You’ll be able to choose a payment method that works for you, including ePay options.
If you’re using the MyTravelers Repair Network we’ll pay the shop directly. You’ll just need to pay your deductible to the repair shop when you pick up your vehicle.
We’ll work with the facility directly if additional repairs are needed.
Frequently asked questions about the auto claim process
Here’s an explanation of the coverage types and terms you may have on your policy and what they mean for you. For more information on the specifics of your policy, check out MyTravelers.
- Comprehensive auto coverage - Comprehensive coverage covers non-collision related damage to your vehicle, such as theft or fire, as well as striking an animal or a tree falling on your car in a storm.
- Collision coverage for your vehicle - Collision coverage helps pay for damage to your vehicle if you are in an accident with another vehicle or object, or your vehicle rolls over.
- Car accident liability coverage - If you cause an accident, your policy may provide compensation to other parties or pay for your legal expenses if you are sued. This coverage is required in most states.
- Decreasing deductible on your auto policy - With decreasing deductible, for every six months that all drivers on the policy are accident or major violation free, you can earn a $50 credit up to $500 to be applied toward your deductible in the event of a covered loss. On a year-long policy, for every 12 months that all drivers on the policy are accident or a major violation free, you can earn a $100 credit up to $500 to be applied toward your deductible in the event of a covered loss.
If you’re not at fault, in most cases you’ll still need to pay your deductible to the facility that completed the repairs. However, we may attempt to recover money from responsible third parties through a process called subrogation.
Please make sure you let us know if you or anyone else was injured in the accident.
For injury claims in New Jersey, we are required to inform you about the New Jersey Decision Point Review/Certification Plan. Please refer to the New Jersey Decision Point Information.
You can review your rental coverage on MyTravelers.
If you’re using the MyTravelers Repair Network and have coverage, you can reserve a rental for pickup when you drop yours off for repairs. We’ll also be able to work with the shop on rental extension needs.
If you’re not using the MyTravelers Repair Network, your Claim professional can provide additional details about your rental options.
1 Customers have the right to choose where their vehicle will be appraised (depending on state) and/or repaired and are under no obligation to use a repair facility in our network. MyTravelers Repair Network is not available in every state.
Related articles
Understanding Your Auto Estimate
A step-by-step guide to reading and understanding the repair estimate you receive after your claim has been evaluated.
Your Deductible and Claim Payment
Get a brief description to help you understand how Travelers claim payments are typically determined and how deductibles are applied.
How to Conduct a Virtual Visit During Your Claim
Virtual Visit is a secure and convenient way to connect with your Travelers Claim professional during your claim.
Additional resources
Claim guide library
A collection of materials designed to help you navigate the claim process.
Upload a file
Securely upload your documents and photos to your Claim professional.
Check your claim status
Find out where you are in the claim process.