Helpful Tips for Filing an Auto Insurance Claim

Accidents can be stressful and the next steps once you decide to file a claim with your insurance can be confusing. Here are some practical tips to help make the claim process run smoothly:

1. Document the Scene

• Take clear photos of all vehicles involved, damage, license plates, street signs, skid marks, and the surrounding area.
• Get contact and insurance info from all drivers.

2. File a Police Report

• Even if it’s a minor accident, a report helps support your claim.
• Request a copy or the report number for your insurer.

3. Notify Your Insurance Company ASAP

• Many insurers offer mobile apps or 24/7 hotlines for claims.
• Delays can hurt your case, especially if the other driver files first.

4. Provide Accurate Information

• Stick to facts—avoid speculation or admitting fault.
• Give your insurer a detailed account and submit all documentation.

5. Know Your Coverage

• Understand what your policy covers (collision, liability, rental reimbursement, etc.).
• Ask if your deductible applies and get estimates for repair costs.

6. Keep Track of Everything

• Save receipts (towing, rental car, repairs).
• Document every interaction with your insurer and claims adjuster.

7. Follow Up Regularly

• Stay in touch with your adjuster.
• Be proactive if paperwork or photos are requested.