How Do I Make a Car Insurance Claim?

Every state has different laws that govern making car insurance claims. Needless to say, it's a good idea to contact your car insurance company or even state department and ask how to make a car insurance claim just in case the need for it arises - you know, it's better to be prepared than sorry.

In any case, here are the steps that usually have to be taken if you get involved in a car accident:

  1. Call 911 if someone has a serious injury. There is no need for you to contact 911 if no one's life is in grave danger. If possible, use this time to take snapshots of the location, vehicles involved and, if present, injuries.
  2. Get in touch with the authorities right away. It's important to note that having that police report is a definite must. In many states, contacting law enforcement is required as soon as you have a car accident. Having a police officer around can also work to your advantage if the other party is acting violently.
  3. Approach the other person and exchange some pertinent details such as names, contact details, license plate numbers and car insurance information. Definitely, you should always bring with you your car insurance identification card or any related document for trouble-free exchanging of essentials.
  4. If there are witnesses around, approach them and obtain their names and other details that will surely come in handy later on.
  5. Call up your car insurance company. As soon as you have accomplished the above-mentioned steps, it's a good idea to notify your car insurance company. Whether or not you are the one at fault, remember to let your car insurance company know about the incident without delay.
  6. Inform the other party's car insurance company. Especially if it's evident that the other party is the one accountable for the road accident, make sure that you get in touch with his or her car insurance company and inform them that you are going to make a claim through your own car insurance company.
  7. State your version of the accident. It's for certain that you will receive a call from the car insurance company of the other person. Carefully and accurately tell what happened.

So what are the things that you will need to present when making a car insurance claim? They're the following:

  • Photographs of the accident location and damage to your vehicle
  • Photographs of your injuries
  • Police report
  • Documentation from witnesses

Now that you already know some of the most important steps to take for making a car insurance claim, it's time for us to discuss those that you can in fact claim for.

It's important to know that some types of car insurance claims are pretty much straightforward while others can get easily complicated as soon as they cross your mind. Let's take a look at the most common car insurance claims that every car owner and driver should definitely know about:

  • Total Loss Claims. Did your car incur so much damage that the cost of having it repaired exceeds the limits in your area? Then it's the so-called total loss claim that you are likely to go for. Once your car insurance company agrees to your claim, you will then receive all kinds of forms - it's best to fill out and submit them without delay.
  • Not at Fault Accident. If the road mishap is obviously the fault of the other party, it is the not at fault accidents claim you should file for. Your car insurance company will contact the carrier of the other person to determine if the company has accepted full responsibility of the claim. You may also directly get in touch with the said car insurance company.
  • Personal Injury Protection. Also known as PIP, this particular car insurance claim applies if you are covered under the personal injury protection of your policy and of course you have sustained injuries. For this, your car insurance company will get in touch with your health care provider to ensure that your medical bills are paid on time.
  • Liability Claim. No matter if the accident is your fault or not, a liability claim may come into being. In this, a team will be established by your car insurance company to determine who's responsible. This type of car insurance claim is around to help ensure that a claim will be resolved fairly.

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

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Discounts are estimated and may not be available from every company or in every state.

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