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You've just had an accident. It may be a
minor fender bender or a more serious collision resulting in
injuries or extensive damage to one or more cars. Perhaps
another motorist was clearly to blame. Regardless of the
severity of the accident or who was at fault, there are a
number of basic steps you'll need to follow once the initial
turmoil subsides. You need to be aware of procedures to file
the claim. This can sometimes seem like a complicated and
stressful process yet the more you know, the smoother it
will be and the greater your chances of being happy with the
outcome.
Report the accident immediately
The first thing you should do is to promptly contact
your insurance agent and the insurance company to notify them
that you've been in an accident. Do this as soon as
possible, even if you're far from home.
You should always notify your insurance
company of the accident even if it was minor and not your
fault. The insurer should always be informed, regardless of
the circumstances. Secondly, always have the police
come to the scene and file a report. Letting the other
person involved in the accident talk you out of your privilege
to file the incident with the police is never a good idea.
Find out how to proceed
Ask us or the insurance company claims representative
what you need to do, and what forms or documents you need to
support your claim. The insurer may require a "proof
of loss" form, as well as medical and auto repair
bills, a copy of the police report, and other documents
relating to your claim. Supply all the materials and
information your insurer needs, and do it in a timely manner
because this helps to put the claims process in
"high-gear".
Read your policy
Although your auto policy isn't exactly a leisurely Saturday read,
the days immediately following an accident are probably a
good time to look it over. Knowing exactly what your policy covers
can help prevent surprises later on.
Keep records of your expenses and other
paperwork
Potential out-of-pocket expenses might
include medical and hospital bills, car repair bills, rental
car costs, and lost wages. Since you will probably need
receipts in order to be reimbursed, it's wise to keep copies
of these and other important documents in a safe and
organized location.
Don't forget your other insurance
Don't forget that other types of insurance (e.g.,
health, homeowner's, etc.) may cover certain losses
resulting from an auto accident, depending on the type of
loss and other circumstances.
Learn More...
Auto
Insurance Overview | Understanding The
Basics | Coverage Options
Safety & Tips | Choosing
A Policy | Filing A Claim | Car
Rentals & Motorcycles
Please Note: The
information contained in this Web site is provided solely as a source of
general information and resource. It is a not a statement of
contract and coverage may not apply in all areas or circumstances. For a complete
description of coverages, always read the insurance policy, including
all endorsements.
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