How Auto Body Insurance Claims Work

What happens after you file a claim

After you report your accident to your insurance company, they will typically assign a claim number and may refer you to a claims adjuster. The adjuster reviews the damage and may prepare an initial estimate. At this point, you can also request a second opinion from a repair shop of your choice.

What information the repair shop may need

To prepare an accurate estimate, the shop will typically ask for:

• Your insurance company name and claim number (if available)
• Your vehicle’s year, make, model, and VIN
• Clear photos showing the extent of the damage
• Your contact information so the team can follow up

Insurance estimate vs. shop estimate

An insurance company estimate is a preliminary review, often based on visible damage only. A shop estimate can be more detailed because the technician inspects the vehicle in person. The two estimates may differ, and that is normal — the shop may identify additional damage that was not visible in photos or during a quick field review.

What is a supplement?

A supplement is a request for additional repairs or parts that were not included in the original insurance estimate. Supplements are common — once a vehicle is disassembled, hidden damage may be discovered. The shop documents these findings and submits them to the insurance company for review.

What to prepare before visiting a shop

Having a few things ready can make the process smoother: your claim number, photos of the damage, your vehicle registration or insurance card (for the VIN), and any police report if one was filed.

How Gemini can help

Our team can help organize documentation, coordinate with your insurance provider, and provide a thorough line-item repair estimate. We can also bill your insurance directly when applicable, so you can focus on getting back on the road.