Filing an auto insurance claim and dealing with a claim adjustor can be hard. Learn how to make a claim, what not to do, and how to avoid insurer loopholes. We cover everything you need to know about filing a claim, but first things first, let’s go over what to do at the event of an incident. Your actions at the event will shape the rest of the claims process.
What to Do in an Accident
Below is a quick overview of what to do if you’ve been in an auto accident. See our full breakdown on what to do for more detail.
- Don’t incriminate yourself
- Seek medical attention for you and others
- Call the police
- Exchange information
- Call a lawyer
- Call your insurer
The order of this is loose, but your insurer is on the bottom of the list for a reason, first off most of the other steps will affect your claim, secondly because not taking the proper steps (for instance incriminating yourself and not seeking medical attention) can border on criminal.
When To File an Auto Claim
You should contact your auto insurance company as soon as possible in the event of:
- An accident
- A stolen vehicle
- A vandalized vehicle
- Or in the case of vehicle damage from a non-accident related event (flood, fire, falling tree limb, etc)
In an accident other priorities come before your insurer, but in other events where no injury occurs and no one else is involved the above steps of calling the police and a lawyer are still smart first steps.
How Do I Find My Insurers Contact Information
Everything you need to know about your coverage is on your insurance card. If you can’t find the information, you can look on the insurers website. All you need to know is the name of your insurer and they can help you find the rest of the information.
How to File a Claim
When you contact your company to file a claim, make sure to provide the following details:
- Your full name and policy number.
- The start and end date of your policy.
- Date and time of the incident.
- Names, addresses, and phone numbers of all drivers, passengers, and witnesses.
- Driver’s license and license plate numbers for all drivers.
You may also be asked for:
- A recorded sworn statement of details of the events (time, date, weather, injury)
- Pictures of the damages
- Fault of the accident
You should NOT tell your insurer that the accident was your fault, you should also not deny any injuries. You haven’t been to a doctor yet, so how do you know. You didn’t file the police report, so how do you know who is at fault? Don’t incriminate yourself, this rule applies to your insurer and the police!