# File a car insurance claim after an accident

> A process map exported from forks.world (https://forks.world). Author: forks.world community. Source: https://forks.world/p/cmv3g9nq9000djk062cj1h519
> It describes who does what, in what order, and with which technology. Read the plain-language sections first; the JSON at the end is the exact, complete data.

## Summary

- 13 steps across 1 layer
- Persona: You, Other driver, Your insurer, Adjuster, Repair shop
- Technology / systems: Insurer app

## Pain points

Where this process hurts, worst first:

- **Look at the damage and estimate the repair** (File a car insurance claim after an accident; painful): Hidden damage often shows up later and needs a supplement to the estimate

## How to read this file

- A process is made of **layers**. The main layer is the top level; any step of kind `subprocess` opens a detail layer with its own lanes and steps.
- **Lanes** are either persona (people/roles) or technology (systems). Each step belongs to one lane; `using` lists tools a person uses for that step.
- Step kinds: `start`, `task`, `decision` (its arrows carry the answer as a label), `subprocess`, `end`.

## File a car insurance claim after an accident

Lanes:
- You: person / role (id `you`)
- Other driver: person / role (id `other`)
- Your insurer: person / role (id `ins`)
- Adjuster: person / role (id `adj`)
- Repair shop: person / role (id `shop`)
- Insurer app: technology / system (id `app`)

Steps, in the order they run:

1. **Accident happens** [start; You; id `d1`]
   - then Anyone hurt or cars blocking traffic?
2. **Anyone hurt or cars blocking traffic?** [decision; You; id `d2`]
   - if "Yes" go to Call 911 and move to safety if you can; if "No" go to Swap names, insurance and plate numbers with the other driver
3. **Call 911 and move to safety if you can** [task; You; id `d3`]
   - then Swap names, insurance and plate numbers with the other driver
4. **Swap names, insurance and plate numbers with the other driver** [task; You; id `d4`]
   - then Photograph the cars, the scene and any injuries
5. **Photograph the cars, the scene and any injuries** [task; You; id `d5`]
   - then Get a police report number if police came
6. **Get a police report number if police came** [task; You; id `d6`]
   - then Report the claim to your insurer
7. **Report the claim to your insurer** [task; You; id `d7`], using Insurer app
   - then Look at the damage and estimate the repair
8. **Look at the damage and estimate the repair** [task; Adjuster; id `d8`] ⚠ PAIN POINT (painful): Hidden damage often shows up later and needs a supplement to the estimate
   - then Decide who is at fault
9. **Decide who is at fault** [task; Adjuster; id `d9`]
   - then Pick a repair shop and arrange a rental if covered
10. **Pick a repair shop and arrange a rental if covered** [task; You; id `d10`]
   - then Repair the car
11. **Repair the car** [task; Repair shop; id `d11`]
   - then Pay the shop, minus your deductible
12. **Pay the shop, minus your deductible** [task; Your insurer; id `d12`]
   - then Pick up the car and keep the paperwork
13. **Pick up the car and keep the paperwork** [end; You; id `d13`]

```mermaid
flowchart LR
  subgraph l_you["You"]
    n_d1(["Accident happens"])
    n_d2{"Anyone hurt or cars blocking traffic?"}
    n_d3["Call 911 and move to safety if you can"]
    n_d4["Swap names, insurance and plate numbers with the other driver"]
    n_d5["Photograph the cars, the scene and any injuries"]
    n_d6["Get a police report number if police came"]
    n_d7["Report the claim to your insurer"]
    n_d10["Pick a repair shop and arrange a rental if covered"]
    n_d13(["Pick up the car and keep the paperwork"])
  end
  subgraph l_ins["Your insurer"]
    n_d12["Pay the shop, minus your deductible"]
  end
  subgraph l_adj["Adjuster"]
    n_d8["Look at the damage and estimate the repair"]
    n_d9["Decide who is at fault"]
  end
  subgraph l_shop["Repair shop"]
    n_d11["Repair the car"]
  end
  n_d1 --> n_d2
  n_d2 -->|"Yes"| n_d3
  n_d2 -->|"No"| n_d4
  n_d3 --> n_d4
  n_d4 --> n_d5
  n_d5 --> n_d6
  n_d6 --> n_d7
  n_d7 --> n_d8
  n_d8 --> n_d9
  n_d9 --> n_d10
  n_d10 --> n_d11
  n_d11 --> n_d12
  n_d12 --> n_d13
```

## Full data (JSON)

```json
{
  "title": "File a car insurance claim after an accident",
  "maps": {
    "m_root": {
      "id": "m_root",
      "lanes": [
        {
          "id": "you",
          "name": "You",
          "type": "person"
        },
        {
          "id": "other",
          "name": "Other driver",
          "type": "person"
        },
        {
          "id": "ins",
          "name": "Your insurer",
          "type": "person"
        },
        {
          "id": "adj",
          "name": "Adjuster",
          "type": "person"
        },
        {
          "id": "shop",
          "name": "Repair shop",
          "type": "person"
        },
        {
          "id": "app",
          "name": "Insurer app",
          "type": "system"
        }
      ],
      "steps": [
        {
          "id": "d1",
          "kind": "start",
          "lane": "you",
          "next": [
            {
              "to": "d2"
            }
          ],
          "uses": [],
          "label": "Accident happens"
        },
        {
          "id": "d2",
          "kind": "decision",
          "lane": "you",
          "next": [
            {
              "to": "d3",
              "label": "Yes"
            },
            {
              "to": "d4",
              "label": "No"
            }
          ],
          "uses": [],
          "label": "Anyone hurt or cars blocking traffic?"
        },
        {
          "id": "d3",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "d4"
            }
          ],
          "uses": [],
          "label": "Call 911 and move to safety if you can"
        },
        {
          "id": "d4",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "d5"
            }
          ],
          "uses": [],
          "label": "Swap names, insurance and plate numbers with the other driver"
        },
        {
          "id": "d5",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "d6"
            }
          ],
          "uses": [],
          "label": "Photograph the cars, the scene and any injuries"
        },
        {
          "id": "d6",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "d7"
            }
          ],
          "uses": [],
          "label": "Get a police report number if police came"
        },
        {
          "id": "d7",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "d8"
            }
          ],
          "uses": [
            "app"
          ],
          "label": "Report the claim to your insurer"
        },
        {
          "id": "d8",
          "kind": "task",
          "lane": "adj",
          "next": [
            {
              "to": "d9"
            }
          ],
          "pain": {
            "note": "Hidden damage often shows up later and needs a supplement to the estimate",
            "level": 2
          },
          "uses": [],
          "label": "Look at the damage and estimate the repair"
        },
        {
          "id": "d9",
          "kind": "task",
          "lane": "adj",
          "next": [
            {
              "to": "d10"
            }
          ],
          "uses": [],
          "label": "Decide who is at fault"
        },
        {
          "id": "d10",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "d11"
            }
          ],
          "uses": [],
          "label": "Pick a repair shop and arrange a rental if covered"
        },
        {
          "id": "d11",
          "kind": "task",
          "lane": "shop",
          "next": [
            {
              "to": "d12"
            }
          ],
          "uses": [],
          "label": "Repair the car"
        },
        {
          "id": "d12",
          "kind": "task",
          "lane": "ins",
          "next": [
            {
              "to": "d13"
            }
          ],
          "uses": [],
          "label": "Pay the shop, minus your deductible"
        },
        {
          "id": "d13",
          "kind": "end",
          "lane": "you",
          "next": [],
          "uses": [],
          "label": "Pick up the car and keep the paperwork"
        }
      ],
      "title": "File a car insurance claim after an accident",
      "parent": null
    }
  }
}
```