How to File An Accident Insurance Claim

If you’re an accident insurance policyholder, you need to know how to file an accident insurance claim. Once an accident occurs, you gain the benefits if you’re able to take immediate action with your insurance company. Hence, you need to know what to do step-by-step when an accident involving you occurs.

This post will guide you through the process on how to file an accident insurance claim. Below are the necessary actions to take:

Reach out to Your Insurer

Contact your insurer as soon as possible, regardless of who is to blame – even from the scene of the accident. Even if the incident appears minor, you must tell your insurance provider. You must also evaluate whether your automobile insurance policy covers the damage.

Process an Online Claim

Use a mobile app to expedite your claim. Many insurers now provide mobile apps that let you take several actions. You can now submit a claim, watch its progress, add photographs, check your deductible, schedule an assessment, etc. Furthermore, you can book a rental car and receive reimbursements for towing and glass claims. 

Some apps even let you graphically reenact the events and conditions of your car accident to inform the insurance adjuster.

Know the Necessary Documents

Find out what proof you’ll need to back up your claim. For example, you might have filled out a police report at the accident scene. Your insurance company will need a “proof of claim” form and a duplicate in such a scenario. 

You might be able to follow the status of your claim using your insurer’s website.

Give all the Information Honestly

Give your insurance company the information they need. Complete the claim papers with care. Keep thorough and organized records of everything connected to the claim. Contact your adjuster, insurance expert, or state insurance department if you have any queries.