How do you make a car insurance claim?

A minivan backed into me at the grocery store yesterday. Neither party called the police, but I did get the lady’s insurance information. How do I make a car insurance claim?

Sorry to hear about your fender bender. Luckily, filing a claim is easier than you might think.
No matter who is at-fault, you’ll want to start by reporting the incident to your car insurance company ASAP. Call the company, or register a claim online or through the provider’s mobile app. (Your provider will get in contact with the other driver’s insurance for you.)
You may be asked to contact the police department to get a police report filed after the fact. They cannot deny your claim if you decline to file a police report, but it’s best to comply to get the official paperwork.
From there, an agent will contact you asking for photographs of the damage to your car and other evidence from the scene. The company will launch an investigation to verify who’s at fault and how much you’re entitled to in damages.
Keep track of your claim number and any updates to your case. Since this is your first claim, you may want to ask your agent:
  • Is there a time limit for resolving claims disputes?
  • Is there a deadline to submit additional information?
  • When can I expect the insurance company to contact me?
  • How much is my deductible?
If you think you’re paying too much for your insurance, Jerry can help you find a better rate. Choose from competitive quotes from up to 50 top insurance companies and Jerry takes care of the rest—securing your new policy and cancelling your old one.
Carlos Kirby
Answered on Nov 04, 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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