If you need to make a claim under the collision portion of your Delaware auto insurance policy, check your deductible first. This is the amount you need to pay out of pocket before the insurance company will pay out under the policy.
The insurance company will assign an adjuster to your claim. He or she will get an estimate of the damage caused by the accident to determine how much, if anything the insurance company will need to pay on the claim. If the total damage caused to your car will cost less to repair than the amount of the deductible, you will be responsible for paying this amount yourself.
If the damage is more the the deductible, you will pay that amount first and the insurance company will be responsible for paying the rest. The insurance is supposed to restore your vehicle to the condition it was in before the accident. You may have to convince the adjuster that the damage found on your vehicle was caused by the accident before it will be covered.
As a car insurance customer, you can choose which garage will fix your car, although you may choose to go with the shop the insurance company chooses. If the estimate from your garage is higher than the one the insurance company received, you may have to pay the difference, though.