How To Check the Status of an Auto Insurance Claim in 2024
How can you check the status of your auto insurance claim? Most insurance companies make it easy for drivers to check the status of their claims directly on the company website or through their mobile app.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Nov 25, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Car insurance claims can be stressful. Naturally, you want to get as many updates on your car insurance claim as possible. But how do you check the status of a car insurance claim?
Sometimes it can be difficult to even know how to file an auto insurance claim. Checking the status is also confusing. Keep reading to discover everything you need to know about checking the status of your insurance claim.
Most Insurers Make It Easy to Check the Status of a Claim
Most car insurance companies make it easy to check the status of a claim. It’s in their best interest to give customers as much information as possible about their claims.
Today, many insurance companies display this information within the app. You can open your car insurance company’s mobile app and check the status of your claim at any time. Geico auto insurance, State Farm auto insurance, Allstate auto insurance, and Progressive auto insurance all have mobile apps with the ability to track a claim. You can also check the status of your Nationwide claim through the mobile app should you be insured with this major company.
Read more:
- How do I file an auto insurance claim with Auto-Owners?
- How long does it typically take for Nationwide to process an auto insurance claim?
- How long does it typically take for Allstate to process an auto insurance claim?
- What happens if I disagree with Allstate’s decision on my auto insurance claim?
- What happens if I disagree with Progressive’s decision on my auto insurance claim?
- What happens if I disagree with State Farm’s decision on my auto insurance claim?
- What information do I need to file an auto insurance claim with Geico?
- What information do I need to file an auto insurance claim with Nationwide?
- What is the difference between a first-party claim and a third-party claim?
- What should I do if my auto insurance claim is denied?
The app might tell you which stage your claim is at, for example, or whether it has been approved or denied. The app might tell you whether you need to provide more information or contact your insurance adjuster.
The app should also feature contact information. You can view contact information for the advisor or adjuster assigned to your case, for example. There may be an email address or phone number to call. Some insurance companies even have built-in online chat systems. You may be able to cancel an auto insurance claim through the app as well.
If your insurance company does not have a mobile app, then you might be able to find similar information in your online account. Login to your account on your insurance company’s website (say, using the same account login information you use when paying your bills) to check the status of your claim.
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Insurance Companies Have Different Policies for Checking Claims
Not all insurance companies have well-designed mobile apps. Some don’t even have online accounts or responsive websites where you can check the status of your claim.
In this case, your best option is to call your insurance company frequently. You should have contact information for an advisor or adjuster assigned to your case. Call or email that person to get an update on your insurance claim.
Some lower-end insurance companies might not even provide upfront contact information. They might require you to call the company’s toll-free number for an update on your claim, for example.
When will my car insurance claim get paid out?
How long does it take for an insurance company to pay out a claim? Every car insurance claim is different.
Some claims are very simple. You submit paperwork to your insurance company, and your insurance company fills the claim and sends you a check within a week or two.
Other claims are more complicated. They involve back-and-forth negotiations. The insurance company demands more evidence and documentation before the claim is paid out. You might disagree on the total compensation. In these claims, you might not see your car insurance payout for months.
Generally, however, a car insurance company wants to handle a claim from beginning to end within 20 to 40 days maximum. Most claims are completed somewhere within 2 to 4 weeks.
How to Check the Status of an Insurance Claim with a Different Insurance Company
Let’s say you were involved in an accident where you were not at fault. Another driver hit your vehicle and is 100% at fault. In this situation (assuming you live in an at-fault state), the other driver is liable for any injuries and damages.
How do you check the status of an insurance claim if the other driver was at fault?
Well, in this case, the claim will typically go through your own insurance company first. Then, your insurance company will seek compensation from the insurance company of the at-fault driver.
In other cases, the entire claim is processed entirely through the other insurance company. In this case, the other insurance company should have contacted you for various details. You should have contact information for an adjuster or advisor at the other insurance company. Contact this person to get an update on a claim.
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What should you do if an insurer is dragging its feet?
Car insurance companies aren’t charities. They’re for-profit corporations. Their ultimate goal is to make money. It’s in the car insurance company’s best interest to pay you as little money as you are legally owed under the terms of your insurance contract.
To limit compensation and frustrate policyholders, insurance companies might drag their feet. They might demand increasingly complex paperwork and documentation, for example. They might deny or reduce your claim for no valid reason.
Sometimes, an insurance company is just doing its due diligence. The company is fact-checking the incident to ensure there was no insurance fraud.
When an insurance company drags its feet too much, however, or denies or reduces your claim for an invalid reason, then the insurance company is said to be operating in bad faith.
If your insurance company is operating in bad faith and taking too long to process your claim, then you may want to:
- Hire an attorney specializing in car insurance claims
- Contact your state’s insurance department and file a complaint
Final Word: Claims Processes Vary Between Insurers
Ultimately, claims processes vary between insurance companies. Some companies let you check your car insurance claim status using your app or online account. Others force you to call or email the company to get an update.
Frequently Asked Questions
What does it mean to check the status of an auto insurance policy?
Checking the status of an auto insurance policy refers to verifying the current active status and details of your insurance coverage. It helps you confirm if your policy is active, ensure you have the necessary coverage, and stay informed about any changes or updates.
How often should I check the status of my auto insurance policy?
It’s generally a good practice to check the status of your auto insurance policy at least once a year or whenever significant changes occur. Additionally, it’s recommended to review your policy status before renewals, after making changes to your coverage, or if you receive any communication from your insurance provider regarding your policy.
Can I check the status of my auto insurance policy if I’m not the policyholder?
As an individual who is not the policyholder, you may face certain limitations in directly checking the status of an auto insurance policy. However, if you are an authorized representative, such as a named driver on the policy or have power of attorney, you may be able to inquire about the status by providing the necessary authorization and policy information. It’s best to contact the insurance company directly to understand their specific requirements and procedures.
What information do I need to check the status of my auto insurance policy?
When contacting your insurance provider or accessing your online account, it’s helpful to have the following information readily available:
- Policy Number: Your unique policy number, which can be found on your insurance documents or ID card.
- Personal Information: Provide your full name, date of birth, and any other personal information requested to verify your identity.
- Vehicle Details: Be prepared to provide details about the insured vehicle, such as the make, model, year, and vehicle identification number (VIN).
Why is it important to check the status of my auto insurance policy?
It is crucial to check the status of your auto insurance policy for several reasons:
- Ensuring Active Coverage: Verifying the status helps confirm that your policy is active and that you have the necessary coverage to protect yourself and your vehicle.
- Compliance with Legal Requirements: In many jurisdictions, auto insurance is mandatory. Checking your policy status ensures you are meeting the legal requirements.
- Staying Informed: Regularly checking the status helps you stay updated on any changes, such as premium adjustments, coverage modifications, or policy renewals.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.