Navigating the world of car insurance can be a daunting task, especially when it comes to understanding the different types of claims that can be filed following an incident. Cyclone Collision Center, a leader in auto repair and customer service, believes it’s essential for vehicle owners to be well-informed about their insurance claims options to ensure they receive the appropriate coverage when needed.

Types of Car Insurance Claims

1. Liability Claims

Liability insurance is fundamental in every driver’s insurance policy as it covers damages for which the insured driver is found legally responsible. These claims typically include bodily injury and property damage to a third party. For example, if you are at fault in an accident, your liability coverage will handle the costs of repairing the other driver’s vehicle and any medical expenses resulting from injuries.

2. Collision Claims

Collision coverage comes into play regardless of who is at fault. It covers damage to your vehicle if you hit another car, an object like a fence, or if you’re involved in a rollover. The claim process involves paying a deductible, after which your insurance company covers the remaining repair costs. At Cyclone Collision Center, we frequently manage repairs associated with collision claims, ensuring high-quality workmanship to restore your vehicle to its pre-accident condition.

3. Comprehensive Claims

While collision claims cover accidents on the road, comprehensive insurance covers events that aren’t considered collisions. These can include natural disasters (like hail or hurricanes), theft, vandalism, or hitting an animal. Filing a comprehensive claim usually also requires paying a deductible before insurance covers the remaining costs.

4. Personal Injury Protection (PIP) Claims

In states with no-fault laws, personal injury protection helps cover medical expenses for injuries sustained by the driver and passengers in the insured vehicle, regardless of who caused the accident. PIP can also cover other costs such as lost wages and funeral expenses.

5. Uninsured/Underinsured Motorist Claims

These claims are filed when the at-fault driver does not have sufficient insurance to cover the damages or when you are a victim of a hit-and-run. Uninsured motorist coverage is a critical safeguard, providing peace of mind in the face of mounting repair bills and medical costs.

6. Glass Claims

Glass claims are among the most common car insurance claims, covering windshield damage and other auto glass repairs. Often, these claims are subject to a lower or no deductible, depending on your policy and the nature of the damage.

7. Gap Insurance Claims

If your vehicle is totaled or stolen and you owe more on your financing or lease than the car’s depreciated value, gap insurance covers the difference. This type of claim is essential for those who finance their vehicles, protecting them against unforeseen financial burdens.

The Claims Process

Filing a claim typically involves notifying your insurance provider about the incident as soon as possible. You’ll need to provide details about the accident and the extent of the damages. Depending on the type of claim, you may need to submit additional documentation, such as police reports or medical records. Insurance companies often require a claims adjuster to assess the damage and determine the payout amount.


At Cyclone Collision Center, we understand that dealing with car accidents and insurance claims can be stressful. That’s why we’re committed to providing exceptional service to make the repair process as smooth and straightforward as possible. Whether you’re filing a liability, collision, or any other type of claim, knowing the different claims available on your car insurance helps you better prepare and manage the aftermath of an accident. Remember, choosing the right coverage and understanding your insurance policy can significantly impact your peace of mind on the road.