A clear, step-by-step guide to filing an auto insurance claim in Texas — from the initial report to getting your vehicle repaired and back on the road.
Step 1: Document the Accident
Before leaving the scene of an accident, document everything thoroughly. Use your smartphone to photograph all vehicles involved, the damage, road conditions, traffic signs, and any visible injuries. Get the other driver's name, contact information, driver's license number, license plate, and insurance information. If police respond, get the report number.
Step 2: Contact Your Insurance Company
Notify your insurance company as soon as possible — most have 24/7 claims lines. You will need your policy number, the date, time, and location of the accident, a description of what happened, the other driver's information, and the police report number if applicable. Be accurate and factual in your account.
In Texas, your insurance company is required to acknowledge your claim within 15 days and accept or deny it within 15 business days of receiving all required documentation.
Step 3: Work with the Insurance Adjuster
Your insurance company will assign an adjuster to evaluate the damage to your vehicle. The adjuster may inspect your vehicle in person or use photos to estimate the repair cost. You have the right to get your own independent estimate from a repair shop of your choosing.
At Firebird Collision, we work directly with insurance adjusters on your behalf. We document all damage thoroughly and communicate with your adjuster to ensure all necessary repairs are covered.
Step 4: Choose Your Repair Shop
In Texas, you have the legal right to choose any licensed auto body shop for your repairs — you are not required to use your insurance company's "preferred" shop. Choose a shop with certified technicians, a written warranty on repairs, and experience working with your insurance carrier.
Step 5: Pay Your Deductible and Collect Your Vehicle
Once repairs are complete, you will pay your deductible directly to the repair shop. Your insurance company pays the remaining balance. Before accepting your vehicle, inspect the repairs carefully and ensure all work has been completed to your satisfaction. A reputable shop will walk you through every repair that was performed.