Filing A Claim

 

 

 

You've just had an accident. It may be a minor fender bender or a more serious collision resulting in injuries or extensive damage to one or more cars. Perhaps another motorist was clearly to blame. Regardless of the severity of the accident or who was at fault, there are a number of basic steps you'll need to follow once the initial turmoil subsides. You need to be aware of procedures to file the claim. This can sometimes seem like a complicated and stressful process yet the more you know, the smoother it will be and the greater your chances of being happy with the outcome.

Report the accident immediately
The first thing you should do is to promptly contact your insurance agent and the  insurance company to notify them that you've been in an accident. Do this as soon as possible, even if you're far from home.

You should always notify your insurance company of the accident even if it was minor and not your fault. The insurer should always be informed, regardless of the circumstances.  Secondly, always have the police come to the scene and file a report.  Letting the other person involved in the accident talk you out of your privilege to file the incident with the police is never a good idea.

Find out how to proceed
Ask us or the insurance company claims representative what you need to do, and what forms or documents you need to support your claim. The insurer may require a "proof of loss" form, as well as medical and auto repair bills, a copy of the police report, and other documents relating to your claim. Supply all the materials and information your insurer needs, and do it in a timely manner because this helps to put the claims process in "high-gear".

Read your policy
Although your auto policy isn't exactly a leisurely Saturday read, the days immediately following an accident are probably a good time to look it over. Knowing exactly what your policy covers can help prevent surprises later on.

Keep records of your expenses and other paperwork
Potential out-of-pocket expenses might include medical and hospital bills, car repair bills, rental car costs, and lost wages. Since you will probably need receipts in order to be reimbursed, it's wise to keep copies of these and other important documents in a safe and organized location.

Don't forget your other insurance
Don't forget that other types of insurance (e.g., health, homeowner's, etc.) may cover certain losses resulting from an auto accident, depending on the type of loss and other circumstances.

Learn More...

Auto Insurance Overview | Understanding The Basics | Coverage Options
Safety & Tips | Choosing A Policy | Filing A Claim | Car Rentals & Motorcycles

Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.