Filing a Car Insurance Claim: The Process Explained
Knowing the claims process in advance makes a stressful situation easier to manage. Here's how it usually plays out.
Right after the accident
- Check for injuries and call emergency services if needed
- Move vehicles out of traffic if it's safe to do so
- Exchange insurance information with the other driver
- Photograph the damage, plates, and surrounding scene
- File a police report if your state requires one above a damage threshold
Moving the claim along
- Report the claim to your insurer as soon as possible
- An adjuster is assigned to assess fault and damage
- Collect repair estimates
- Review the settlement offer carefully before accepting it
A mistake worth avoiding
Report minor accidents too. Skipping a report to avoid a premium increase can backfire if the other driver files a claim later or an injury surfaces afterward.
Want to make sure your coverage would hold up for a larger claim? Revisit our full coverage guide.
Compare Coverage Options This article is for general informational purposes and does not constitute insurance, legal, or financial advice. Confirm current terms and pricing with a licensed insurance provider.