How to Handle an Auto Insurance Claim

After a damage-causing car accident, filing a claim with your auto insurance company is the first step toward getting repairs, medical expenses and damages covered.

However, before worrying about the insurance claim, your priority should be the safety of everyone involved. If you’ve been in an accident, move your vehicle to the side of the road or a safer location to prevent further accidents or hazards if possible. Make sure that no one is seriously injured. If anyone is hurt, call for medical assistance immediately.

After ensuring everyone’s safety, follow these steps to file an auto insurance claim.

Document the Damage

Contact the police to request a report. Use your phone or a camera to take clear photos of the damage to your vehicle and any other involved vehicles if you feel safe doing so. Shoot from multiple angles and photograph any visible debris or damage to surrounding property.

If there are any witnesses to the accident, ask for their contact information and, if possible, a brief statement. Their testimony may help support your version of events.

Contact Your Insurance Company

After documenting the incident, the next step is to notify your insurance company as soon as possible. Provide your insurer with all relevant details, including the time and location of the accident, the extent of the damage and the information of any other parties involved.

You’ll need to send in the photos, police report and any witness statements you’ve gathered. Your insurance company will use this information to begin processing your claim.

Get an Estimate for Repairs

Once your claim is in progress, your insurance company will ask for a damage estimate from an approved repair shop. In some cases, the insurer may send an adjuster to assess the damage to your vehicle. Your insurance company will need to approve the estimate before repairs can begin. This usually happens quickly, but be sure to follow up if you haven’t heard back.

Your insurer covers accident-related damage according to the terms of your insurance policy. If you file a comprehensive or collision claim, your deductible will likely apply. Contact your agent for help understanding your auto insurance coverage.

Contact Us

Contact Sonoran Insurance LLC in Phoenix, Arizona, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information