Claims with your own insurance company
When you have filed a claim with your own insurance company for physical damage to your vehicle from a car accident (Collision Claim), or from vandalism, or another type of event under the comprehensive section of your policy, (Comprehensive Claim) or for injuries sustained in a crash, (Med Pay Claim), as long as there are no problems with your coverage, your claim should be approved and paid.  For collision or comprehensive damage, most insurers will pay the body or glass shop where you have your car repaired directly after they receive an estimate from the shop.  Occasionally, although this doesn’t happen much any more, an adjuster will come to your home or work, write an estimate for the damage him or herself, and hand you a check right then and there to cover it.