Even if you’re a cautious driver, accidents may happen. Whether it’s a fender bender, an act of vandalism, or damage from a storm, knowing when and how to file an auto insurance accident claim may be able to save you time and money. If you’ve ever felt that the insurance claims process was too daunting, we’re here to break down the steps that may help you navigate the system better and more efficiently.
What you need before filing a claim
Before you start the auto insurance claims process, it can be helpful to gather essential information. This may help your insurance company process your claim quicker and more accurately. Here is some information you may want to provide:
- Your policy number
- Date, time, and location of the incident
- Photos or videos of the damage
- Driver and witness contact information
- Police report, if applicable
Helpful tip: Documentation may be key to having a successful claims process. The more evidence you have of the accident, the easier it may be for your insurer to assess what happened and approve your claim.
Step-by-step: How to file an auto insurance claim
Step 1: Safety first
If you have a collision on the road, you may want to:
- Check yourself and others for injuries
- Call emergency services
- Move to a safer location if you are able to operate the vehicle
Step 2: Gather information at the scene
After an accident, it can be an excellent move to start collecting details. This may include:
- Exchanging insurance and contact information with other drivers
- Taking clear photos and videos of the vehicle damage and your surroundings
- Speaking to witnesses and getting their contact information, if available
Step 3: Notify your insurance company
It can be crucial to report an accident to your insurance company as soon as you can. Certain carriers may offer different ways to file, which may include an online portal or through a phone number. The sooner you notify your insurer; the sooner they can assign a claims adjuster to your case and start the process.
Step 4: Work with the claims adjuster
After filing, your insurer will typically assign a claims adjuster to your case. The adjuster usually:
- Investigates the incident
- Reviews your documentation
- Inspects the vehicle damage (in person or virtually)
The adjuster then may determine how much your insurance will cover based on the damage and your policy.
Step 5: Get repair estimates
Next, you may get your car evaluated for repairs. Some insurers may recommend approved repair shops, or you can often choose your own shop that’s out of network.
If your policy includes rental reimbursement, you may also get a daily amount for a rental vehicle after a covered accident.
Step 6: Claim resolution and payment
Once your claim has been reviewed and approved, the next steps may be:
- Paying your deductible (which is the coverage amount you’re responsible for)
- Having your insurer cover the remaining approved costs
For example: What if a branch falls on your vehicle and cracks your windshield, but you have comprehensive coverage with a deductible of $500? If your claim is approved, you will typically have to pay $500 out of pocket before your insurer steps in and pays the rest of the damage.
How long can auto insurance claims take?
The auto insurance claims process can vary based on many factors, which means there is no standard time for a claim to be approved. A claim may last between 15 to 30 days but could be sooner depending on your situation.
Factors that may delay an auto insurance claim include:
- Disputes about who’s at fault
- Missing or improper documentation
- Severe damage that can require a more thorough inspection
Here are some tips that may help your claims process:
- Submit crucial documents properly
- Take clear photos of the vehicle damage
- Stay in touch with your adjuster
- Respond quickly to requests from your insurance company
Common mistakes to avoid when filing a claim
Are you wondering how to steer clear of making certain filing mistakes? Here are some common mishaps that may help you avoid a claims denial:
- Waiting too long to report the incident
- Not taking photos or documenting damage clearly
- Admitting fault at the scene, which is typically determined by the insurance adjuster
- Not understanding what coverage is on your policy
Looking to update your coverage so that it matches your needs? Contact Infinity Insurance Agency, LLC (IIA) to discuss your insurance questions. Our experienced, Spanish-bilingual agents can help you customize a policy that works for you. Call us at 1-855-478-3705 today to get a free personalized quote!
FAQs
How long do I have to file an auto insurance claim?
This can depend on your insurance company and state laws, but it may be a great rule of thumb to file as soon as you can.
Who pays for my rental car after an accident?
If your policy includes rental reimbursement coverage, your insurance will typically cover a rental car up to a predetermined daily limit.
What happens if the claim is denied?
When your claim is denied, your insurer will typically explain why. After that, you may be able to appeal the decision or provide additional documentation to support your claim.
Will my claim be denied if I don't have a standard U.S. license?
Not necessarily. Your coverage typically depends on what’s on your policy, not just your license type. If you have questions about your coverage, you can contact your insurance agent.
What if the other driver doesn’t have insurance?
If you get into an accident with an at-fault uninsured driver, your policy may be able to cover your vehicle damage if you have uninsured motorist coverage.