Next time you're in a fender bender, there's good reason to have your phone on hand—it could speed up your insurance claim.
Normally, the process goes something like this: Report the claim, get your car to a repair shop and wait to hear from an adjuster and then wait some more for a check after repairs have been completed.
Now, enhanced claim functions on auto insurers' free mobile apps can condense that process into a matter of hours. "You don't have to wait around anymore for an adjuster to show up," said Ellen Carney, a principle analyst for Forrester. "It completely changes consumers' perspective on insurance."