When we purchase a vehicle, be it a new one or an old one, we immediately purchase insurance cover for the vehicle. Insurance coverage is by default for a period of one year. And the insurance needs to be renewed year after year to extend coverage. The insurance that we take for the vehicle is called auto insurance.

When the vehicle gets into an accident, causing damage to one or more of its components, then the insurance company reimburses the collision repair charges to the vehicle owner. The accident should not be a self planned or intended one. The amount that the insurance company can reimburse largely depend upon the sum assured. Generally, the insurance companies appoint a surveyor to assess the condition of the vehicle before it is send for collision repairs. Then the vehicle owner finds outs various vendors for various component repair, painting, denting etc. and then collects bills from all of them. He then prepares claims and sends it to the insurance companies. The insurance companies verify the claims and makes the payment to the insurance holder.

There are agents who can simplify all the above mentioned tasks and do it for the vehicle owners. They send information to the insurance companies, after vehicle is assessed and the leaves the vehicle at body shop irvine for collision repair and prepare claims and forwards to insurance companies.