Don't Panic - How to Handle a Car Insurance Claim in Colorado After a Collision

A car crash can change your day in seconds. One moment, you're on your usual route - the next, you're facing crumpled metal, flashing lights, and countless questions. The good news is that you don’t have to panic if you live in Colorado. You need a plan.

This blog explains what to do after a collision and how to handle a car insurance claim in Colorado without losing your composure or time.

First Things First - What to Do at the Scene

You’ve just been in a collision. Take a deep breath. Start by checking on everyone involved. Your safety and the safety of others come first.

Check for Injuries and Get to Safety

Call 911 immediately if anyone is injured. If it's safe, move your car out of traffic and turn on your hazard lights so others can see you.

Document the Scene Like a Pro

Take photos of vehicle damage, license plates, the road, traffic signs, and skid marks. If you have a dashcam, save the footage. Write down the time, location, and anything noteworthy, like the weather or unusual driving.

Swap Information (Without Admitting Fault)

Collect names, driver’s license numbers, insurance information, and vehicle details from everyone involved. But remember, never say “I’m sorry” or admit fault at the scene. That could hurt your case later.

Pro Tip - Don't take the risk if someone offers to "pay cash" instead of going through insurance. Hidden damage might come up later.

Report the Collision to Your Insurance Provider

Report the accident to your insurance company once everyone is safe and the adrenaline fades. Even if the damage seems minor, you should start the car insurance claim in Colorado as soon as possible.

What Your Insurer Will Ask

Be prepared with -

·         A description of the accident

·         Names and contact information for other drivers and witnesses

·         Photos or videos

·         The police report number

Stick to the facts. If you’re unsure about something, it’s okay to say, “I don’t know yet.”

What Happens After You File the Claim

Colorado is an at-fault state, meaning the insurance company of the person who caused the crash usually pays for the damage. However, it’s not always that straightforward. Sometimes, you may need to file with your insurer first, especially if there is a dispute or the other driver is uninsured.

Role of the Insurance Adjuster

After you file your car insurance claim in Colorado, an adjuster will likely -

·         Review your documents and photos

·         Inspect your vehicle

·         Determine who is at fault

·         Estimate repair costs

If everything checks out, you’ll get approval to proceed with repairs.

Choosing a Repair Shop in Longmont

Many drivers don’t know this - you can pick your repair shop. Insurance companies might suggest one, but that’s just a recommendation—you can choose somewhere you trust.

Why Longmont Auto Body & Glass is a Solid Choice

Longmont Auto Body & Glass has been serving the Longmont community since 2014. We offer -

·         Collision repair

·         Frame repair

·         Paintless dent repair

·         Paint and refinishing

We also assist with the car insurance claim in Colorado process and deal directly with insurance companies, so you don’t have to make repeated calls.

Bonus - Every paint job comes with a lifetime warranty, so you’re covered long after you drive away.

Common Mistakes That Can Delay Your Claim

A few minor errors can create big problems. Avoid these -

Skipping the Police Report

Even if no one is hurt, you should still call the police. A report gives you documentation that can protect you later.

Settling Too Quickly

You may feel tempted to accept your insurer's first offer. Don’t rush it. Ensure a trusted shop assesses all damage, including any hidden issues.

Forgetting to Follow Up

Claims can get stuck. Check in with your insurance adjuster if you haven’t heard back in a few days.

What If Your Claim Gets Denied or Delayed?

Sometimes, a claim can hit a snag even when you follow all the steps.

Possible Reasons

·         Your policy doesn’t cover the damage

·         You missed a deadline

·         There’s a disagreement over fault

Next Steps

·         Ask for the denial in writing

·         Review your coverage

·         Contact the Colorado Division of Insurance if you feel the denial was unfair

Did you know? In 2023, about 8% of car insurance claims in Colorado were delayed due to missing documents.

Frequently Asked Questions About Claims in Colorado

Will My Premium Go Up?

Suppose you were at fault, probably. If not, it depends on your insurer. It’s always good to ask about accident forgiveness options.

Can I File for a Hit-and-Run?

Yes, but you’ll need uninsured motorist coverage. Also, file a police report within 24 hours.

How Long Do I Have to File a Claim?

Most companies prefer claims filed within days. Legally, you may have 1 to 3 years, but waiting complicates everything.

How Long Will Repairs Take?

It depends on -

·         Parts availability

·         Severity of the damage

·         How quickly your insurance approves

What Longmont Auto Body & Glass Does Differently

We stay in touch with your insurer and keep you informed every step of the way. For minor damage, paintless dent repair can quickly get you back on the road.

You’ve Got This

Handling a car insurance claim in Colorado can feel overwhelming, but it doesn’t have to be. You'll get through the process smoothly with the correct information, a trusted repair shop, and some patience.

Remember, at Longmont Auto Body & Glass, we don’t just repair cars - we help restore your peace of mind. From filing the claim to fixing your vehicle, we’re here to assist you every step of the way.

Need Help With a Car Insurance Claim in Colorado?

Call us today or visit Longmont Auto Body & Glass for a free estimate. We’ll help relieve the stress of your next steps.