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How do you write a car insurance claim letter?

How do you write a letter to an insurance company for a claim? I was in an accident and need to write one but have no idea where to start.

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“To write a
car insurance
claim letter, there are several things you’ll need to include. In most cases, your letter should contain:
  • Your name
  • Your contact information
  • Insurance
    policy number
  • Details of the accident
  • Any injuries or damages
  • Any medical bills or repair estimates
  • Any information connected to a police report
  • Contact information for anyone else involved in the accident
After indicating your intention to file a claim, you will want to give your personal information along with your insurance policy number.
From there, you should clearly explain what happened. You’ll need to include specific details like the exact date and time. Provide the names and contact information of anyone else who was involved, as well. You should detail any interaction you’ve had with the police, too.
Once you’ve provided the accident details, you’ll need to discuss damages or injuries. This should include an estimate of repairs or medical bills you’ve incurred. You may also want to outline your settlement expectations based on those figures.
Depending on which insurance company you’re with, you may be able to email the letter or drop it off at a local branch. Contact your insurance company directly to determine the way in which they prefer you submit the letter.”
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