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.
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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.”
MORE: Worst Claim Mistakes
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