Being in a car accident is stressful enough without worrying about the insurance process. Knowing the steps to file a claim beforehand helps you handle the situation calmly and get your car back on the road faster.
Step 1: At the Scene
First, make sure everyone is safe and call 911 if there are injuries. Then document everything: take photos of all vehicles involved, the damage, the scene, and any relevant road conditions or signs. Exchange information with other drivers including names, phone numbers, insurance companies, and policy numbers. Get contact info from any witnesses.
Step 2: Report the Claim
Contact your insurance company as soon as possible—most have 24/7 claims hotlines and mobile apps. You'll need to provide basic information about the accident, the police report number (if applicable), and the other driver's information. An adjuster will be assigned to your claim.
Step 3: The Inspection and Estimate
An adjuster will inspect your vehicle—either in person or through photos you submit. They'll provide an estimate for repairs. If you disagree with the estimate, you can get your own repair estimate and negotiate. Most insurers will work with your preferred repair shop.
Step 4: Getting Your Car Fixed
Once the estimate is approved, you can take your car to the shop. If you have rental reimbursement coverage, your insurer will arrange a rental car. The repair shop will work directly with your insurance company for payment. You'll pay your deductible directly to the shop.
