How do you claim insurance when someone hits your car?

Someone ran over my mailbox and crashed into my car, but I haven't been able to file a claim yet. How do you file a claim when someone causes damage to your vehicle?

Answer
We’re sorry to hear about the property damage you’ve suffered. The first thing you’ll want to do is collect information from the scene. This includes:
  • The responsible party’s name, address, license plate, and insurance policy number
  • Pictures of the damage to your mailbox, car, and the other party’s car
Insurers often rely on photographs to determine who is at-fault and the extent of the damage.
You’ll then want to call the police to gather contact info, witness statements, and create a police report.
As soon as possible, notify your car insurance company with your intention to file a claim. They will often contact the other party’s insurer so you don’t have to.
After filing a claim, you should wait for the insurers to decide who is officially at-fault. The other party’s insurance should give you a payout. If your claim is denied, you can file a claim with your insurer to cover the damages—provided that you have collision insurance on your policy.
If you are unhappy with your settlement or notice that your rates going up after an accident, it may be time to switch insurance providers. Jerry can provide you with dozens of competitive quotes and help you switch in a matter of minutes. (Did we mention it’s free?)
Carlos Kirby
Answered on Nov 23, 2021
Carlos has a BA in Media Production and Marketing from Loyola University of Chicago, as well as almost 5 years of content editing and writing experience. He has operated his own freelance creative studio over the past 5 years and aspires to be a Creative Director for an Creative Agency. He is currently located in Chicago, IL and enjoys creating digital art and taking bike rides along the lakefront during his free time!
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