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FAQ / How does a car insurance claim work — step by step?

How does a car insurance claim work — step by step?

Asked by Customer on 14 April 2026
I have never had an insurance claim before and am unsure of the order of things. Can you explain how a car insurance claim works step by step?

Answers

Accepted Answer Accepted
Answered by AutoIn Bilskade AS on 15 April 2026

For an insurance claim, the process is usually as follows:

  1. You report the damage to your insurer and receive a claim number.
  2. You book a damage assessment with us (or send a photo assessment).
  3. We assess the damage and send a cost estimate to the insurer.
  4. Once the insurer approves, we agree a repair time with you.
  5. You pay only the deductible (and any reduction) at pickup — we invoice the rest directly to the insurer.

AutoIn has framework agreements with most insurance companies and handles the entire process for you.

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