Understanding Different Kinds of Auto Insurance Claims

auto insurance claims

The peace of mind that having a comprehensive auto insurance policy provides can be tested when you’re actually involved in an accident and need to call on that policy. In addition to dealing with the fallout of an accident, trying to understand and navigate the intricacies of your insurance claim can seem daunting. Fortunately, with the help of an independent insurance agent, you won’t have to traverse your claim alone. With years of experience and knowledge in the industry, your Dallas insurance agent, Jeff Van Matre, can help you maintain your peace of mind through all different kinds of auto insurance claims.

Bodily Injury

One of the more significant concerns of an auto accident is whether or not you were injured. If you were at fault for the accident, then your own insurance may or may not help with your recovery. If the other driver is at fault, however, you may file a claim through his/her insurance company, if they’re insured.

Property Damage

Besides human injury, any damage that your vehicle sustains should also be a part of your auto insurance claim, and can vary depending on the severity of the collision. Your property damage claim can be filed as a first party claim (through your own insurance company) or as a third party claim (through the other driver’s insurance company), depending on the specifics of the incident. In extreme cases, your vehicle may be totaled, meaning the repair costs would be greater than the value of the vehicle itself.

Damaged Windshield

Not all insurance claims are the result of an accident. Some may be to prevent one, such as damage to your windshield. As the forefront of your vehicle, a compromised windshield can increase your chances of an accident, especially if a crack worsens and causes the glass to collapse. Usually, you can claim repairs for a damaged windshield if it’s included in your comprehensive auto insurance policy.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, visit us online, or call our Carrollton office today at 972-492-8500.