How to File an Insurance Claim
“Nobody stopped to actually discuss my situation.” That's what too many people say after filing a claim. This guide walks you through every step — and our advisors are a phone call away if you need help.
6 Steps to Filing a Claim
1. Ensure Everyone's Safety
Move to a safe location if possible. Call 911 if anyone is injured. Turn on hazard lights. Your safety comes first — everything else can wait.
Pro tip: Even in minor accidents, always call the police and get a report. Many insurers require it.
2. Document Everything
Take photos of all vehicles, damage, license plates, the scene, road conditions, and traffic signs. Get the other driver's name, phone, insurance company, and policy number.
Pro tip: Use your phone's timestamp feature. Photos with dates and times are stronger evidence.
3. Call Your Insurance Company
Report the claim as soon as possible — most insurers have 24/7 claims lines. Give them the police report number, photos, and the other driver's information.
Pro tip: Don't admit fault at the scene or to the other driver's insurer. Let the investigation determine responsibility.
4. File the Claim
Your insurer will assign a claims adjuster who will assess the damage, review the police report, and determine your payout. This typically takes 3-15 business days.
Pro tip: Get your own repair estimate before accepting the adjuster's number. You have the right to choose your own repair shop.
5. Follow Up Regularly
Check in with your adjuster every 3-5 days. Keep a log of every conversation — who you spoke to, when, and what was said. Document everything in writing.
Pro tip: If your claim is denied or underpaid, you can appeal. Ask for the denial reason in writing.
6. Get Your Payout
Once approved, you'll receive payment minus your deductible. If the other driver was at fault, their insurance pays and your deductible may be reimbursed.
Pro tip: If you're not satisfied with the settlement, you can hire a public adjuster or consult an attorney.
Do's and Don'ts of Insurance Claims
Do
- Call 911 and get a police report for every accident
- Take photos and video of everything at the scene
- Exchange information with all parties involved
- Report the claim to your insurer within 24 hours
- Keep copies of all medical bills and repair estimates
- Get your own independent repair estimate
- Document every conversation with your insurer
- Ask questions if anything is unclear
Don't
- Don't admit fault at the scene — ever
- Don't give a recorded statement to the OTHER driver's insurer without consulting yours first
- Don't accept the first settlement offer without reviewing it
- Don't sign anything you don't understand
- Don't post about the accident on social media
- Don't delay reporting — many policies have time limits
- Don't throw away damaged property before the adjuster sees it
- Don't let your claim lapse — follow up regularly
Claims FAQ
Need Help with a Claim?
Our licensed advisors can walk you through the claims process, help you gather documentation, and make sure you get a fair settlement. No charge.