Accidents can be stressful—especially when it’s time to deal with insurance. If you’ve been in a collision in Brownstown, MI, you might be wondering what steps to take and how to make sure everything gets covered. Whether you’re from nearby Woodhaven, Trenton, Flat Rock, or Gibraltar, this guide breaks down exactly how to file your insurance claim and get your vehicle repaired without added hassle.
Step 1: Check for Injuries and Call the Police
Immediately after an accident, make sure everyone is safe. If there are injuries, call 911. Even if the crash is minor, contact the local police so they can file a report. This documentation will be useful when filing your insurance claim, especially if you’re not at fault.
Step 2: Exchange Information
While waiting for the authorities, exchange contact and insurance information with the other driver. Be sure to get:
- Full name and contact number
- Insurance company and policy number
- License plate number
- Driver’s license number
- Make, model, and color of the vehicle
Avoid admitting fault or making statements that could be used against you. Just gather the facts.
Step 3: Take Photos of the Damage
Use your phone to take clear photos of:
- Damage to both vehicles
- Road conditions
- Street signs or signals nearby
- Any visible injuries
- The entire accident scene
This evidence can help your case during the claim process, especially when it comes to determining liability.
Step 4: Call Your Insurance Company
You’ll want to notify your insurer as soon as possible. Most companies offer 24/7 claim reporting through phone apps, online portals, or customer service lines.
Have this info ready:
- Time and location of the accident
- Police report number (if available)
- Details of the other driver and their insurance
- Photos of damage
The sooner you report, the sooner your claim can be processed.
Step 5: Schedule a Repair Estimate
Once the claim is initiated, your insurance company may send an adjuster or direct you to a preferred repair shop. Keep in mind: you have the right to choose your own collision repair center.
At The Collision Shop of Brownstown, we work with all major insurance companies and help customers with the entire claims process—from paperwork to repair. We’ll also provide a free estimate and help you understand your repair options.
Step 6: Understand Your Coverage and Deductible
Before repairs start, review your policy. Know what’s covered and what your deductible is (the amount you pay out-of-pocket). If another driver is at fault, their insurance should cover your damages. If you’re using your own collision coverage, your deductible will apply.
Some shops, like ours, offer deductible assistance to help reduce your out-of-pocket costs.
Step 7: Let the Professionals Handle the Repair
After insurance approval, let the experts take it from there. At The Collision Shop of Brownstown, we:
- Handle frame repairs, paint, bumper replacements, and glass
- Provide loaner vehicles during your repair
- Back our work with a lifetime warranty
- Help file supplemental claims if more damage is found
We’re committed to getting your car back to pre-accident condition quickly and safely.
Serving Brownstown and Surrounding Areas
We proudly serve drivers not only in Brownstown, but also in Woodhaven, Trenton, Flat Rock, Gibraltar, and other nearby communities in Wayne County.
Need Help Filing a Claim or Getting a Repair?
Let The Collision Shop of Brownstown take the stress off your shoulders. We’re located at:
19810 Allen Road, Brownstown, MI 48183
📞 (734) 479-6611
🌐 www.thecollisionshopbrownstown.com
From insurance help to expert repairs, we’ve got your back.
Call us today or stop by for a free estimate!
