The document summarizes the typical process for filing an auto insurance claim. It describes the steps an insurance customer and claims representative take, including reporting the claim, gathering information, determining coverage, arranging a rental vehicle if needed, submitting the claim to an adjuster, arranging a vehicle inspection and appraisal, issuing payment for repairs, and getting the vehicle repaired. It notes that most of the process is now electronic and that rates may or may not increase depending on factors reviewed at renewal time.