How to Speed Up Your Auto Claim: 6 Tips Adjusters Wish You Knew

Filing an auto claim can sometimes feel like an endless waiting game. From delayed responses to missing paperwork, even minor setbacks can stretch the process longer than necessary. But here’s some good news: getting your claim resolved faster is often within your control.

By following a few practical steps, you can cut down on delays and make the process smoother for everyone involved so you can get paid sooner. Adjusters often wish more policyholders knew these tricks to streamline their claims. Whether it’s handling a fender bender or navigating a serious accident, these six tips will save you time and keep things on track.

1. Report the Claim Promptly

Time is of the essence when it comes to filing a claim. The sooner you report it, the faster your adjuster can start working on your case.

Waiting too long to notify your insurer could also lead to coverage complications or even a coverage denial. Insurance policies often include time-sensitive clauses, meaning delays might put your claim at risk or create unnecessary hurdles.

Pro Tip: If unsure about what counts as “prompt,” most experts recommend reporting the incident within 24–48 hours. This ensures there’s no ambiguity about your claim’s timing.

2. Gather and Submit Key Documents Upfront

Missing or incomplete documentation is one of the biggest bottlenecks in the auto claims process. The good news? You can avoid these delays by preparing everything in advance.

Here’s what you’ll typically need:

• Photos of the damage (take multiple angles for clarity - close pics and a few steps back)

• A copy of the police report (if applicable)

• Details of the other party, including license plate and insurance information

• Repair estimates or mechanic evaluations

• Your insurance policy or card

By providing all the necessary information upfront, you’re equipping your adjuster with everything they need to get started.

Pro Tip: Before submitting any documents, double-check for accuracy and completeness. A mistake caught early can save days of back-and-forth later.

3. Be Responsive and Check Your Voicemail

Effective communication can make or break the speed of your claim. When your adjuster reaches out for clarification or additional details, delays in your response can stall the process unnecessarily.

Treat your conversations with the adjuster as a priority. Respond to emails or calls within 24 hours, and always leave a voicemail if you miss their contact. Make sure to provide availability to schedule follow-ups quickly.

Why it Matters: Adjusters work on dozens of claims at once. The faster you respond, the more efficiently they can prioritize and process your file.

4. Use the Insurance App or Portal

Gone are the days of mailing documents or waiting on hold for hours. Most insurance companies now offer apps or online portals that can simplify claim management.

These digital tools often allow you to:

• Submit photos and documents

• Track claim status in real-time

• Schedule inspections

• View policy details

• Text chat with your adjuster

By leveraging these digital features, you not only save time but also minimize the chances of miscommunication.

Pro Tip: Set up notifications through the app or portal to receive instant claim updates or reminders.

5. Ask About Virtual Inspections

If you’re crunched for time or find it difficult to schedule an in-person inspection, virtual options might be your solution.

Many insurers now use AI to conduct damage assessments via video or photo submissions. Virtual inspections are becoming standard practice, especially for minor damages, as they can cut down on scheduling delays and speed up repair authorizations.

How It Works:

• You’ll usually be asked to upload or share high-resolution photos and videos of the damage through the insurance app or a specific platform.

• An adjuster or AI reviews these materials and provides an assessment without needing to send someone onsite.

This option is quick, convenient, and a favorite among both policyholders and adjusters when minimal damage is involved. If there is more than minimal damage it’s more ideal to have it seen at a shop regardless of what the carrier tells you.

6. Be Clear, But Brief

Details matter, but overloading your adjuster with excessive or irrelevant information can slow things down. Know the reason for your call and what you hope to accomplish in advance, this is a good rule of thumb for adjusters and insureds/claimants alike. When describing the incident or damage, stick to the facts, and avoid long-winded explanations.

For example:

• ✅ "Rear-ended at a stoplight. Moderate damage to the rear bumper and trunk."

• ❌ "I was driving down Main Street around noon, and I stopped at a light. Once it turned green, I started moving, but the car behind me didn’t notice, and it hit me. I think it was because..."

Concise, clear communication ensures that your adjuster doesn’t need to follow up for clarification, helping your claim move forward faster.

Pro Tip: Keep a written record of any details you share. It keeps your story consistent if additional adjusters or repair shops get involved.

Take Control of Your Claim’s Timeline

An efficient claims process isn’t just your adjuster’s responsibility. By staying proactive, organized, and communicative, you can help ensure your claim is resolved promptly without unnecessary headaches.

Here’s a quick recap of what you need to do:

1. Report the claim as soon as possible.

2. Have all your documents ready and complete upfront.

3. Be responsive to your adjuster’s calls and emails.

4. Use your insurer’s app or online portal for faster management.

5. Explore virtual inspection options to save time.

6. Keep your communication concise and relevant.

Filing an auto claim doesn’t have to be frustrating or slow. With these tips in your toolkit, you’ll be well on your way to turning a complicated process into a smooth one.

If you have additional questions or want expert guidance, feel free to reach out to Extennsion. We’re here help!