Understanding the Auto Insurance Claims Process
Know what to do after an accident and how to file a successful claim
Steps to File a Claim
Immediately After the Accident
- Check for injuries and call 911 if needed
- Move to a safe location if possible
- Call the police to file a report
- Exchange information with other drivers
- Take photos of damage and scene
- Get contact info from witnesses
Contact Your Insurance Company
- Report the accident as soon as possible
- Provide all details accurately
- Get a claim number for reference
- Ask about rental car coverage
- Understand your deductible
Work with the Claims Adjuster
- Schedule vehicle inspection
- Provide requested documentation
- Get repair estimates
- Keep records of all communications
- Ask questions if unclear
Get Repairs and Settlement
- Choose an approved repair shop
- Review settlement offer carefully
- Negotiate if offer seems low
- Keep all receipts
- Close claim once satisfied
Find Insurers with Excellent Claims Service
Compare insurance companies rated highly for claims handling