If you are filing a claim against the at-fault driver, you need to know their insurance company and also have a copy of the police report. Read the police report to make sure you weren’t noted as being at fault.
If you are filing a claim against your own insurance company after a car wreck, you typically go through the following steps:
- Check for Injuries: First, ensure that everyone involved in the accident is safe. If anyone is injured, call emergency services immediately.
- Gather Information: Exchange contact and insurance information with the other driver(s). Also, gather information from any witnesses and take photos of the accident scene, including vehicle damage and any relevant road conditions or signs.
- Report the Accident: Notify your insurance company about the accident as soon as possible. You can usually do this by phone or through your insurance company’s website or app. Provide them with details about the accident, including the date, time, and location, as well as the other driver’s information.
- File a Claim: Your insurance company will guide you through the claims process. They may ask for additional information, such as a police report or repair estimates, to process your claim.
- Assessment: An insurance adjuster will assess the damage to your vehicle and determine the extent of coverage under your policy. They may also investigate the accident and determine fault.
- Settlement: Once the assessment is complete, your insurance company will offer a settlement based on your policy coverage and the adjuster’s findings. You can choose to accept the settlement or negotiate for a higher amount if you believe you are entitled to more.
- Repairs: If your claim is approved, you can proceed with repairing your vehicle. Your insurance company may provide you with a list of approved repair shops, or you can choose your own.
- Follow-Up: Keep track of any additional expenses related to the accident, such as medical bills or rental car costs. Communicate with your insurance company throughout the process to ensure that your claim is processed efficiently.
It’s important to review your insurance policy carefully and understand your coverage limits and deductibles before filing a claim. Your rates may also go up. We therefore suggest you call us before filing a claim so you can get competent legal advice.
