How to file a car insurance claim

Insurance can be tricky, but here’s a guide on how to make a proper claim.

How to file a car insurance claim

Here’s a quick how-to on making a car insurance claim. There are a few steps that you want to follow whenever you get into an accident. 

Before everything, however, you might want to make sure that you actually have car insurance. Get a policy through us. We will show you the best deals and fast quotes from reputable insurance providers. All claim your insurance policy online, in the comfort of your own home, through secure online payment channels. 

Remain calm

While this step can be a bit hard for some people depending on the magnitude of the accident, it is important to keep your wits about you and make sure that you don’t lose your temper or panic. Accidents do happen, and if it is your fault, apologize and don’t be difficult to work with. 

If you’re on the receiving end of the accident, then don’t flip out on the other person. Be patient, get a hold of the situation and remember to be courteous. If you do have insurance, you really shouldn’t have anything to worry about. 

If you ended up in a hit-and-run situation, the same rule applies. You wouldn’t want to risk life and limb to chase someone down. Also, don’t get into another accident trying to chase someone down after an accident. 

Take pictures

After you’ve gone through some of the pleasantries, it’s important to take pictures of the incident and try to piece together what happened. Do not move the cars just yet. During this step, it is important to include your car’s plate number in the image. This is to make sure that your accident is accurately documented and it’ll make the insurance claim process much smoother. Also, don’t forget to include the plate number of the other car or cars involved. Take note of where the accident happened and note the landmarks around the area as well. Make sure to take a picture of any intersections or turns as well to paint a better picture for your insurance provider. 

Gather information

Try and get the name of the driver involved, this means getting his license, the make and model of his car, as well as the license plate number. Also, get the contact details, address, the name of the registered car owner, and the witness. Then get the involved party’s driver’s license, and insurance policy. Take photos of these documents for reference. 

Following this, take note of the date, time, and place that the incident occur. Identify all the cars involved and get the make, model, and license plates of all involved. 

Go to the police station to file a report

This will help you make the claim and officially document the incident. This will require you to go out of your way and head to the nearest station, but it should go smoothly if you’ve gathered enough information like photos. 

During this step, you will be required to recreate the incident on paper by drawing an overhead sketch. It doesn’t have to be too fancy. Refer to your photos if your memory is a bit hazy, and you should be able to complete this task after. The police will conduct a quick investigation, cross-checking both accounts of the incident, and then promptly file the reports after a settlement is reached. 

Contact your insurance provider

Now it’s time to get in touch with your insurance provider. You may take this step earlier, as the insurance agent handling your policy may be able to guide you through the process in real-time.

However, you may also call your agent after. Just make sure that you have all the information that you need. After that, your agent will walk you through the process of making the claim. You will have to sign some documents like a notarized affidavit and an insurance outclaim form that your insurance provider will provide. Have your license, official receipt, and certificate of registration photocopied as well. 

Following this, your incident will be processed and investigated to see if your policy has the proper coverage. 

Pay up

Afterward, your insurance provider might require you to take your car to their office or to their accredited repair center. You’ll have to leave your vehicle for a week or so depending on the severity of the damage. You will have to pay a participation fee, which is something that you have to account for on top of your insurance policy. It will likely be more affordable than the actual repair job, however.