What type of questions should I be prepared to answer when I call to report a claim?

What type of questions will my insurance company ask me and what information will I need after a car accident? I have never been in a car accident before and was wondering what the process is.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The moments after even a small automobile accident can be frightening and leave you feeling confused about what to do next.
The first step you need to take is to get yourself to a safe location.
Next, you will want to call the police and let them know of the accident. While you are waiting for the police to arrive, do the following:
  • collect the other driver’s information
  • provide the other driver with your information
  • take pictures
  • call your carrier to file the claim
The claims agent on the other line is a person just like you and will probably ask if you are hurt and if you are in a safe location.
Once that is established, here are a few more questions they may ask:
  • When and where did the accident take place?
  • Is anyone injured?
  • How many people/cars were involved?
  • Can you provide a brief description of what happened?
Another option is to file the claim through the insurance app on your phone if your carrier offers this feature.”

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