What is a Drive-In? - Insurance Navy. In insurance, drive-in refers to a specific location or facility where policyholders can inspect the vehicle after an accident or damage has occurred. This is the beginning of a claim to an auto insurance company. At a drive-in facility, a company insurance adjuster or appraiser begins a claim investigation and evaluates the vehicle damage, assesses the repair cost, or in some cases, determines if the vehicle is a total loss. This assessment decides how much the insurance company will pay on a claim based on the terms and conditions of the policyholder’s insurance policy. These locations are designed to facilitate the claim process for the insurance companies and the policyholder.
Instead of waiting for an adjuster to visit the vehicle at a repair shop or the policyholder’s home, the policyholder can bring the vehicle directly to the Drive-In location at a scheduled time.