In general, the insurance claim is filed with a local representative of the insurance company. This agent becomes responsible for investigating the specific details of the insurance claim and negotiating the payment from the main insurers. Many times a recognized authority like a doctor, repair shop, building contractor can file the necessary insurance claim forms directly with the insurance company. However, sometimes the policy holder may not want to file an actual insurance claim if the damage is minor or another party has agreed to pay out-of-pocket for their mistake.
Always keep in mind that these types of accident claims undergo a thorough investigation. And whatever would be its result, the compensation claim should now be decided. Hopefully for the client’s favor, that compensation should help the damages it has done. And of course, these claims can take up for months. So these claims may take some time from those investigations from the insurance company.