How to File an Auto Insurance Claim

Auto insurance is designed to protect you financially in the event of an accident, theft, or other vehicle-related incidents. However, filing an auto insurance claim can seem daunting, especially after the stress of an accident. Fortunately, understanding what to expect from the claims process ahead of time can make it much smoother.

Steps to File an Auto Insurance Claim

Knowing how to file a claim correctly can ensure you receive the compensation you’re entitled to promptly and with minimal hassle. Be prepared by understanding the following steps:

1. Contact law enforcement. In most cases, you should get in touch with law enforcement officials following an accident or other incident involving your vehicle, as police reports are often required by your carrier.
2. Document the scene. Take photos of the accident scene, including injuries, all vehicles involved, any visible damages and the surrounding area. This documentation will be crucial for your claim.
3. Exchange information. Collect the names, contact information, insurance details and license plate numbers of all parties involved. If there are witnesses, gather their contact information as well.
4. Notify your agent. Contact your insurance company as soon as possible to report the accident. Provide them with all the necessary details and follow their instructions on how to proceed.
5. Complete claims forms. Your insurance company will provide you with claim forms to fill out. Be thorough and accurate in providing the requested information.
6. Work with your adjuster. An insurance adjuster will likely be assigned to your case. They will assess the damage and determine the payout. Cooperate with them and provide any additional information they may need.
7. Keep records. Maintain a file of all documents related to the accident and your claim, including medical bills, repair estimates and correspondence with your insurance company.

If approved, your insurance company may provide a payout either to you or directly to body shops and other services with whom you’re working to repair your vehicle. Should your claim be denied, you should contact your agent to ensure full understanding of the reason for the rejection and consider enlisting the assistance of an attorney if you’re planning to appeal the decision.

We’re Here to Help

Contact Action Plus Insurance today to learn more about the auto insurance claims process and ensure you have the right coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.