How do you describe an accident to a car insurance company?

I got into an accident and I need to inform my insurance company. How do I do that?

Answer
Sorry to hear about your car accident! Fortunately, telling your car insurance company is a quick, easy process in most cases.
To inform your car insurance company of an accident, call or submit a claim online. Give them details of what happened and any damage or injuries you may have. Your car insurance company will want to know how and where the accident occurred. If you need to, write out the details to read to your company. This may help you detail the accident more clearly.
If another driver was involved, you can give your car insurance the other driver’s information.
Depending on the accident and where you live, you may need to call the police as well. Your car insurance company may ask if you filed a police report. If you did file one, your insurance will likely want a copy of it. This is normally an important step in what you need to do after an accident as it helps confirm accident details.
Once you provide all the details or information you have on the accident, you will likely be assigned a claims adjuster. They will help investigate the accident and determine fault. After a claims adjuster takes over, you likely won’t need to provide any additional information unless they specifically ask for it.
If your insurance goes up after an accident, don’t stress out too much. Instead, hop on the Jerry app to compare quotes from over 50 insurance carriers in just a matter of minutes.
Emily Maracle
Answered on Oct 20, 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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