How do I file a car insurance claim?

What steps do I need to follow to file a claim? I was recently in an accident and I'm not sure how to submit a claim for my car insurance.

Answer
“I’m sorry to hear about your accident! To help reduce stress, there are several steps you should follow to submit a claim.
  • Take pictures of the damage, exchange information with the other driver, and call the police. While it may not seem necessary to involve the police, in some states, you must. Car insurance companies typically use the police report when determining fault and will likely ask to see it after an accident.
  • After reporting the accident to police, inform your insurance company as soon as possible. They should have a phone number listed on your insurance declaration page or your ID card. You may also be able to access it through your online account or app.
  • Once you report the accident to your insurance, they’ll open up a claim. An adjuster from your company will review the damage and determine fault. They’ll also ask for the other driver’s insurance information.
If you’re not at fault, your insurance will work with the other driver’s insurance to ensure your damages or injuries are paid for. Your insurance may also pay for any medical expenses or damages until the other insurance company pays out.
If you are at fault, your insurance will work with the other company to pay for the other driver’s damages or injuries. If you have collision insurance, your claim will also include your collision coverage to fix your vehicle.
Filing claims usually increases your car insurance rates. If you think you’re overpaying for insurance after an accident, try using the Jerry app. We’ll get you customized quotes from multiple providers so you know that you’re getting the best deal on the coverage that’s right for you. That way, if you ever get into a similar accident again, you can rest assured knowing that you’ve got the insurance you need to cover it.”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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