Checklist for Filing a Car Insurance Claim Report

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Getting in an accident is a scary situation, and it can be easy to forget everything that needs to be taken care of. When your adrenaline is running high following a car crash, the last thing on your mind is how to properly file a car insurance claim. And yet, filing a car insurance claim report is an incredibly important thing to do.
Of course, the most important thing to do if you’re in an accident is make sure that everyone is okay. A car insurance claim can wait, but a serious injury cannot. If you, or anyone else involved in the accident, is in any danger, call 911 immediately.
However, serious injury or not, all accidents ultimately need auto insurance claim reports. Even if you weren’t involved in an accident, and your vehicle was damaged while you were not in it, you’ll likely need to file a car insurance claim report, though it depends on whether or not you have comprehensive coverage. When your car has been damaged, there are a lot of things that you need to keep track of, as you’ll need the information later, and may not remember:
  • The exact location at which the damage occurred
  • The time at which the damage occurred, if you were in the car
  • How the damage occurred (if you know)
  • How severe the damage is
  • Any and all expenses that you have paid for, such as towing services, as you will often be reimbursed for them by your insurance company
Keeping track of this information ensures that you provide your insurance company with accurate information when filing a claim. It also makes the process go a lot more quickly, and smoothly. However, before filing, there’s a few other pieces of information you should have on hand:
  • The police report, if there was one
  • Insurance information from other vehicles involved in the accident, if there were any
  • The name and address of your preferred auto shop
When you have all of this information with you, it’s time to file a car insurance claim:
  • Call your insurance company, or your specific insurance agent
  • Tell them you need to file a claim
  • Briefly explain to them what happened
  • Provide them with any information that you have, as they ask for it
  • Follow all of their instructions, and answer all of their questions. If you don’t have answers to certain questions, or you’re not sure of the answers, simply let them know. Never lie, guess, or make information up when filing a car insurance claim
After you’ve filed a claim, your insurance company will let you know what the next steps are. Often there will be a handful of follow-up phone calls, in which you’ll have to give your detailed information to a claims agent. It’s also very common for an agent to come and inspect the vehicle, to both assess the damage and repair costs, and to make sure that your description is accurate. Simply pay attention to what the insurance company tells you, and you’ll be well on your way to getting your car back on the road, courtesy of your auto insurance.

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