Claim filing guide: Step-by-step instructions
Claim filing guide: Step-by-step instructions to help you file your insurance claim accurately and hassle-free. Get started today!
Auto Insurance Claim Filing Guide
Follow these steps to file your auto insurance claim smoothly
1
Safety First
Before thinking about your insurance claim, ensure everyone's safety:
Remember: Your safety and the safety of others always comes first. Insurance matters can wait until everyone is safe.
2
Document the Incident
Collect all necessary information at the scene:
Tip: Use your smartphone to take photos and record voice notes about what happened while the details are fresh in your mind.
3
Contact Authorities
In many cases, you should file a police report:
Important: In some states, police reports are required for insurance claims above a certain dollar amount. Even if not required, a police report can help support your claim.
4
Notify Your Insurance Company
Contact your insurance company as soon as possible:
Note: Many insurance companies now offer mobile apps that allow you to start your claim process immediately, upload photos, and track your claim status.
5
Work with the Claims Adjuster
A claims adjuster will be assigned to evaluate your claim:
Tip: Be thorough but straightforward when describing the incident to your adjuster. Stick to the facts and avoid speculating about what might have happened.
6
Review Settlement Offer
Once your claim is processed, you'll receive a settlement offer:
Remember: You don't have to accept the first offer if you believe it doesn't adequately cover your damages. You can request a review with additional documentation to support your claim.
7
Complete Repairs and Follow-up
After accepting the settlement, proceed with repairs:
Tip: If your car has been repaired after an accident, keep documentation of the repairs for when you sell the vehicle, as it may affect its value.