How Car Insurance Companies ACTUALLY Pay Out Claims

Описание: Most drivers assume car insurance just cuts you a check after an accident — but that’s not how the process actually works: https://www.moneygeek.com/insurance/a...

In this video, we break down how car insurance companies pay out claims, from the moment you file to how your final payout is calculated. You’ll learn how insurers decide whether your car is repairable or totaled, how adjusters determine your car’s value, why payouts are often lower than expected, and what you can do before filing a claim to avoid surprises.

Whether you’re dealing with a claim now or just want to understand how insurance really works, this guide walks you through the process step by step.

⏱️ Chapters / Timestamps

0:00 – Why most people are confused about car insurance payouts
0:40 – What happens as soon as you file a claim
1:35 – How insurance decides what your car is worth (Actual Cash Value)
2:43 – Repairable vs total loss: How payouts change
3:48 – Can you challenge your insurer?
4:26 – How liability claims are paid
5:28 – How long claim payouts actually take (and how to avoid delays)
6:32 – Estimate your payout before filing a claim
7:31 – Recap + how to avoid surprises next time

Understanding how insurance payouts work before an accident gives you a huge advantage. If you want help choosing the right coverage, limits, and deductibles so you’re not caught off guard later, you can compare car insurance options side-by-side at MoneyGeek.com.

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