Car Insurance Claims Help
Been in an accident? Here's everything you need to know about filing a claim and getting your car repaired or replaced.
🚨 Just Had an Accident? Do This First:
- 1. Check for injuries - Call 911 if anyone is hurt
- 2. Move to safety - If possible, move vehicles out of traffic
- 3. Call police - Get an official accident report
- 4. Exchange information - Names, insurance, license plates, contact info
- 5. Document everything - Photos of damage, scene, other vehicles
- 6. Don't admit fault - Let insurance determine liability
How to File a Car Insurance Claim
Contact Your Insurance Company
Most insurers offer 24/7 claims lines. You can usually file via phone, app, or website. Have your policy number ready.
Tip: File promptly - some policies require reporting within 24-72 hours.
Provide Accident Details
Be ready to share:
- Date, time, and location of accident
- Description of what happened
- Other driver's information
- Police report number
- Witness contact information
- Photos and documentation
Work with the Claims Adjuster
An adjuster will be assigned to evaluate your claim. They may:
- Inspect your vehicle damage
- Review the police report
- Interview witnesses
- Determine fault percentage
- Estimate repair costs
Get Your Vehicle Repaired
Once the claim is approved:
- Choose a repair shop (you're not required to use insurer's preferred shops)
- Pay your deductible to the shop
- Insurance pays the shop directly for the rest
- Request a rental car if you have that coverage
Receive Payment
Payment timing depends on the claim type:
- Property damage: Usually 1-2 weeks after approval
- Total loss: Receive actual cash value minus deductible
- Injury claims: May take longer to settle
Types of Claims
🚗 Collision Claim
For damage from hitting another vehicle or object. Uses your collision coverage.
🌧️ Comprehensive Claim
For theft, vandalism, weather damage, animal strikes. Usually doesn't affect rates as much.
🩹 Injury Claim
For medical expenses. May involve PIP, MedPay, or liability coverage.
❓ Uninsured Motorist
When hit by a driver with no insurance. Uses your UM coverage.
Claim Denied? What to Do
- 1. Get it in writing - Request a written explanation of the denial reason.
- 2. Review your policy - Check if the denial is justified under your coverage terms.
- 3. File an appeal - Most insurers have an internal appeals process.
- 4. Contact your state's insurance commissioner - They can investigate unfair denials.
- 5. Consult an attorney - For large claims, legal help may be worthwhile.
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