Insurance Claim Help
Navigating Insurance Claims After a Car Accident
The claims process can feel overwhelming after a collision. We break it down step by step — and we're here to advocate for you every mile of the way.
You Have Rights. We Help You Use Them.
After an accident, insurance companies move fast — and not always in your favor. At Collision Masters of Lexington, we've guided hundreds of customers through the claims process. We work directly with all major insurers, handle the paperwork, and make sure your vehicle is repaired the right way using OEM parts and manufacturer-approved procedures.
Remember: you have the right to choose your own repair shop. Don't let an insurance company steer you to a shop that prioritizes their cost savings over your safety.
The claims process
Step-by-Step: Filing Your Claim
Make Sure Everyone Is Safe
Before anything else, check for injuries and move vehicles out of traffic if it's safe to do so. Call 911 if anyone is hurt or if there is significant property damage.
Document the Scene
Take photos of all vehicles involved, the surrounding area, road conditions, and any visible damage. Get the other driver's name, insurance information, license plate, and contact details.
File a Police Report
In Kentucky, a police report is required for accidents involving injury or significant property damage. Even for minor accidents, a report creates an official record that protects you.
Notify Your Insurance Company
Report the accident to your insurer promptly. Stick to the facts — describe what happened without speculating about fault. Your insurer will open a claim and assign an adjuster.
Choose Your Repair Shop
You have the legal right to choose where your vehicle is repaired. Bring it to Collision Masters of Lexington — we'll work directly with your insurance company and advocate for the repairs your vehicle actually needs.
Get a Proper Estimate
We perform a thorough damage assessment and provide a detailed estimate. If the insurance adjuster's estimate is lower than what's needed for a proper repair, we negotiate on your behalf.
Approve the Repair Plan
Once the estimate is agreed upon, we begin repairs using OEM parts and manufacturer-approved procedures. We keep you updated throughout the process.
Final Inspection & Pickup
Every repair goes through a multi-point quality inspection before we contact you. We walk you through the completed work and make sure you're fully satisfied before you drive away.
Know your rights
Important Things to Know
You choose your shop
Kentucky law gives you the right to select any licensed repair facility. Insurance companies cannot legally require you to use a specific shop.
OEM parts matter
Original Equipment Manufacturer parts are designed specifically for your vehicle. We advocate for OEM parts to ensure your car is restored to pre-accident safety standards.
Supplements are normal
Hidden damage is often discovered once repairs begin. We handle supplement claims with your insurer so you're never stuck with unexpected costs.
Rental car coverage
Many policies include rental car reimbursement while your vehicle is being repaired. Ask your adjuster about your coverage and we can help coordinate.
Why choose us
We Work With All Major Insurers
We understand the need to keep your fleet on the road and your personal vehicle safe. We offer priority scheduling and work directly with your insurance provider — handling supplements, advocating for OEM procedures, and keeping you informed every step of the way.
Let Us Handle the Insurance Headache
Bring your vehicle to Collision Masters of Lexington and we'll take it from there — working directly with your insurer so you don't have to.