If you are involved in an accident, make sure to exchange information with the other driver. This includes their name, address, insurance company's name and address, and phone number. If you cannot get this information, write down their driver's license number and license plate number.
- If someone is injured, call 911
- If your car is drivable, move it out of traffic
- Get the information at the scene. This includes
- Other car's make, model, year, and plate number
- Time, date, location, and conditions at the time of the crash
- Witnesses' names and contact information
- Take a photo at the scene of the crash
- After contacting law enforcement, take down the officer's name, badge number, and contact information
- Contact your insurance company
Filing an Auto Claim
Know your policy
Review what losses are covered and excluded in your policy. Frequent or small claims can affect your premium
Consider your deductible
If repair costs are only slightly higher than your deductible, paying out of pocket may be the better option in the longrun
How to file a claim
Call the number on your proof of insurance card as soon as possible after an accident. Ask what forms or documents you will need to submit
Claims adjuster
Your insurer will assign an adjuster to inspect damage and estimate payments. Take notes on all communications and keep records of dates, names, and discussions
If you disagree with adjuster or insurer
Try to resolve the issue with your insurer or agent. Ask your repair shop to discuss the estimate with the adjuster if needed. Request written explanations for decisions you question
If dispute continues
Check your policy for an appraisal clause. You may also hire an attorney
