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How do I make a car insurance claim?

I've just been in my first car accident! Thankfully no one was hurt, but I now need to make a claim with my insurance. I am at a bit of a loss. How do I make a car insurance claim?

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Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We’re sorry to hear about your accident but glad no one was hurt!
Making a claim can seem stressful, but if you follow these steps to safely and responsibly make a car insurance claim, it shouldn’t be too big of a hassle.
  • Call the police. This will get a police report on the record, which you can send to the DMV and your insurance company. Also, the police can help injured parties and make sure both parties remain civil.
  • Document the accident. Take pictures of the accident and get the personal information of everyone involved in the incident.
  • Contact your insurer. Reach out to your insurance company to get help with the next steps. They will often direct you to a mechanic or help you get a tow or rental vehicle.
  • Work with your Claims Specialist or Insurance Adjuster. Once you’ve filed, a claims specialist will do interviews, collect data, and reach a conclusion of fault and costs.
  • Once your adjuster assesses the damage and payout, they will authorize the final payment.
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