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Be Prepared and Know What to Expect Before Filing a Car Insurance Claim

Following an auto accident, you will need to file an insurance claim. Follow these simple rules to make an unpleasant process easier. Here is a general guide to filing an auto insurance claim.

1. Call 911 if there are any injuries involved with your automobile accident. Assist any victims that you can and make them as comfortable as possible until help arrives

2. Call the police and file a police report

3. If you have a cell phone with a camera, take all the damage to your vehicle

4. Have your insurance information available that is printed on your insurance card or papers in your vehicle. Write down the license plate numbers of all cars involved in the accident and the names of all drivers if possible with their insurance information

5. Call your insurance agent to file a claim or file the claim online as soon as possible. No matter which method you choose, you will need to know these things in advance to file the claim

  • Policy number (can be found on your insurance card).
  • Date of the accident.
  • Location of the accident.
  • Description of how the accident occurred.
  • Name, address, license plate, and insurance information for the other party involved.
  • Name of the police department involved (if applicable).
  • Police report number (if applicable).

6. A representative from your insurance company should follow up on your claim letting you know if your policy covers your claim. If it does, you will find out the deductible and how much coverage you have.

. You may be asked to submit a police report if you haven’t already

. Your insurer may send a claims adjuster or inspector to evaluate your vehicle and make a repair estimate. Usually they will provide the names of their own approved shops but you have the right to choose which shop you want. Keep in mind, if you do choose an unapproved shop you will have to pay the difference after the deductible.

9. Find out whether your policy provides for towing your damaged car and for a rental car for you to use free of charge.

10. If you are not at fault, then the other driver’s insurance company will pay for the damage to your vehicle. In any case, your agent will inform you according to the coverage you have as well as the insurance coverage of the other drivers involved.

11. After your vehicle is repaired, inspect it to be sure the repairs are done properly and if not, contact your insurance company and auto shop immediately until the issue is resolved

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