How to file an auto insurance claim in NJ
Filing an auto insurance claim in New Jersey is mostly paperwork and patience. Here is the process, what to have ready, and where drivers commonly get stuck. This is general information, not legal advice. Your policy controls.
Illustrative image, not a photo of our shop.
Step by step
- Read your coverageLook for collision, comprehensive, liability, rental reimbursement and your deductible amounts on your declarations page.
- Report the claimCall, use the app or the website. You will receive a claim number and an adjuster or claims representative.
- Give a clear statementState facts, not guesses. Provide the police report number and photos.
- Get your estimateYou can get a free estimate from Proline. The insurer may also send an adjuster or ask for photos.
- Authorize repairsYou choose the shop. Once repairs are authorized, the shop orders parts and begins work.
- SupplementsIf hidden damage appears, the shop sends a supplement. The adjuster reviews it.
- Pay your deductible, pick upWhere a deductible applies, you pay it at pickup. Coverage is subject to your policy.
Choose your own shop
You have the right in New Jersey to choose your repair shop. If an insurer says you must use its shop, that is not correct. You can use any licensed shop.
Why estimates differ
Insurer estimates are often based on visible damage. Shops find more after teardown. That gap is normal, and the supplement process exists to close it. Keep records and ask questions.
Total loss
If repair cost approaches the vehicle value, the insurer may declare a total loss. You can ask for the valuation report and compare it with local listings. We can talk through what you are seeing.
This is general information, not legal advice. Related: what to do after an accident, insurance and your right to choose a shop, 24-hour accident assistance.
Questions, answered
Will filing a claim raise my rates?
It can depending on fault and your insurer. Ask your insurer before filing, and get a free estimate to weigh the repair cost against your deductible.
Can the insurer make me use their shop?
No. New Jersey law gives you the right to choose your repair shop.
What if the adjuster estimate is lower than the shop estimate?
Hidden damage often adds cost. The shop sends a supplement with photos for the adjuster to review.
Who pays the deductible?
You do, if your own collision coverage is used and it applies. If another driver is fully at fault, their coverage may pay.
How long does a claim take?
It varies by insurer, parts and supplements. We keep you updated at each stage.
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