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How to File a Car Insurance Claim

Did you know that more than half of all drivers will get into a car accident at some point in their lives? It’s essential to know what to do when or if it happens to you. If you have car insurance, you will need to file a claim as soon as possible, and it’s important that you avoid mistakes during this process so your claim has the best chance of approval.

This blog will provide tips to give your claim the best chance of success.

File Your Claim as Soon as Possible

Get in touch with your car insurance company as soon as possible after the accident (or theft, vandalism, etc.). You can find the phone number for your insurance agent on your insurance card, in your policy documents, or online.

Once you know who to contact to file your claim, gather the information your agent will need. This typically includes:

  • Your full name;
  • Your policy number;
  • The date and time of the accident or other event you’re calling about;
  • The start and end date of your policy;
  • The names, phone numbers, and addresses for anyone involved in the event; and
  • The driver’s license numbers and insurance information for all drivers.

Once you get in touch with your insurance company, your case will be assigned to an insurance agent. This person will be directly responsible for your claim.

Work With Your Insurance Agent to Secure Compensation

Once your case has been assigned, set up a time to speak or meet with your insurance agent to discuss your coverage and the accident. Your claims professional will inspect your car and examine any injury claims first.

After the evaluation period, your assigned claims professional will resolve the case, pay out any money you are due, and close the case. If you have issues with the settlement you receive, you have the opportunity to challenge it.


How to File a Car Insurance Claim

Though rare, car insurance companies do make mistakes, which is why claimants have the right to appeal their insurance company’s decision.

Often, the insurance process moves much slower than drivers like. If you need to make temporary repairs to your car or treat your injuries before you have time to meet with your claims professional, make sure you keep your receipts for any expenses. Depending on the nature of your accident and your specific coverage, your insurance should cover repairs to your car and your medical bills, but you will need to show proof of payment.

Consider Hiring an Attorney

Depending on the severity of the crash and other factors, you may want to hire an attorney to help you navigate the claims process. A personal injury lawyer can work with you and your insurance agency to make sure you get the compensation you’re entitled to after a car crash or vandalism. Research lawyers in your area who have experience dealing with auto accidents and working with insurance agencies.

Were there any important steps that we missed? Feel free to share your insights in the Comments section below.