Insurance company has made the claim process very straight forward and simple provide you follow the proper procedures.  Under normal circumstances, you should get your money in 3-4 months time.

1)  First, you need to make a police report for the accident.  Insurance company will not entertain any claims without a complete police investigation report.

2) Determine what kind of insurance coverage you had purchased and determine if it is worth making a claim.  Please take note that you need to pay an excess fees under some circumstances, it might not worth pursue the claim.  In some country, insurance company practice NCB( No claim bonus ), it means if you do not file a claim in the coverage period, you will entitle for a discount for the next renewal.  So if the amount of the claim is much less than the discount you will enjoy in the coming years, it is not worth to file the claim.

3)  File the claim fast and provide all necessary documents.  Insurance company usually has a list of guideline that you must follow for a claim. Please follow all the necessary procedure and submit the relevant documents required.  Please also take note that there is a limited duration for a claim as well.

4)  Seek assistance from your auto insurance agent if you have one, or the insurance company or even the garage repair you car will be more than happy to assist you.