When it comes to auto insurance claims, the process of payment involves several steps. Once a claim is filed, it goes through a review process by the insurance company. If the claim is approved, the payment is typically made to the policyholder or the repair shop, depending on the nature of the claim. The amount paid is based on the coverage and deductibles outlined in the policy. In cases where the policyholder is not at fault, their insurance company may initially cover the costs and then seek reimbursement from the at-fault party's insurance company through a process called subrogation. It's important to note that the specific details of claim payment processes can vary between insurance companies and policies, so it's always best to refer to the policy documents and consult with the insurance provider for precise information.