Automobile FAQs 

What happens after I file a claim?

The claim process has a few variations, but these are the essential steps once the claim has been submitted to the insurance company:

  1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
  2. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
  3. An estimate is prepared.
  4. A check is delivered.
  5. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared.


It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.

[ back to FAQ ]

Information provided with permission to Benton White Insurance by www.iii.org

Benton's Blog

Our Insurance Rates are STABLE! And It's GREAT to see!

Many of our customers don't realize that I personally review each policy that renews in my agency annually. I block out several hours to review how a customer's rates have been over time and what they can expect in premium on their next renewal.  Sometimes, it's painful to see some of the increases that are caused by an event that involved the customer.  There are a number of reasons a rate can change from excessive claim activity to at-fault accidents, traffic citations and many other premium affecting...

Minimize your Risk of Distracted Driving

As the spring season gets fully underway, families gear up for spring break car trips or college visits. With better weather, more drivers take day trips or plan weekend getaways. This all adds up to more drivers on the road, and more potential for distracted driving – which also increases the odds of traffic accidents with bodily injuries. April is Distracted Driving Awareness Month, the time of year when the National Safety Council and other organizations join forces to heighten awareness of...

Questions? We've got answers!

You buy insurance to protect your finances from life's surprises. But unless you know the finer points of your policies, you could be left with another surprise -- no coverage where you thought you had it.  We get questions almost daily asking is this covered?  We do our best to give the most accurate and easy to understand answers we can offer.  I thought it might be good to share some of the more common questions (and one not so common) that we get here in the agency!  Hopefully, this will help...