If you've been in a car accident, filing an auto insurance claim might feel overwhelming—but it doesn't have to be. Whether the damage is minor or major, filing quickly and correctly is key to getting the coverage you deserve. This guide provides general information about the claims process and does not constitute legal advice. For specific legal advice about your situation, you must consult with a qualified attorney. Reading this information does not create an attorney-client relationship. 

Step 1: Make Sure Everyone Is Safe

Before anything else, check for injuries. Call 911 if there are any signs of injury or if the accident has caused significant damage. Your safety—and the safety of everyone involved—comes first.

Step 2: Document the Scene

Start gathering evidence as soon as it’s safe to do so. You’ll need this information for your insurance claim:

  • Photos of damage to all vehicles involved
  • The position of the vehicles and surrounding area
  • Driver’s license, license plate numbers, and insurance info of all parties
  • Contact details of any witnesses

Tip: Try to get a police report, even for minor accidents. It can be valuable evidence in a claim. However, the value and admissibility of evidence vary by case and jurisdiction.

Step 3: Notify Your Insurance Company ASAP

Call your insurance provider or file through their mobile app or website as soon as you can. Waiting too long could delay or affect your claim. Review your policy for specific time requirements, as these vary by insurer and jurisdiction. If you have questions about deadlines or requirements, consult with an attorney. 

Be ready to share:

  • Your policy number
  • Date, time, and location of the accident
  • Details about the other driver(s)
  • Description of what happened

Step 4: Understand What Your Policy Covers

Before agreeing to anything, review your auto insurance policy. Know your:

  • Deductible: The amount you pay out-of-pocket before coverage kicks in
  • Liability limits: What your insurer pays for injuries or property damage to others
  • Optional coverage: Like rental reimbursement or roadside assistance

Step 5: Meet with the Insurance Adjuster

Once your claim is filed, an insurance adjuster will likely contact you to assess the damage. They might:

  • Schedule an inspection of your vehicle
  • Ask for statements or additional documentation
  • Estimate repair costs

Pro tip: You generally have the right to negotiate settlement offers or seek legal counsel before accepting any settlement. The specific rights and procedures may vary depending on your policy terms and applicable law. Consult with an attorney to understand your rights in your particular situation. 

Step 6: Get Your Vehicle Repaired

If your claim is approved, you can usually choose where to get your car repaired. Some insurers may recommend “preferred shops,” but you’re not required to use them.

Make sure you:

  • Keep all repair invoices
  • Save receipts for any expenses related to the accident (like a rental car)

Step 7: Track Your Claim Until It’s Resolved

Follow up regularly and keep notes on who you talk to and when. Ask for timelines and request updates in writing when possible.

Bonus: What If the Other Driver Was At Fault?

If the other driver was determined to be at fault, their insurance may be responsible for paying for your damages, depending on applicable law and policy terms. You may still need to file through your own insurance first, especially if the other party is unresponsive or uninsured. Liability and coverage issues can be complex, so consider consulting with an attorney to understand your options.

Need Help with a Claim?

Filing an auto insurance claim doesn’t have to be stressful. By staying informed, staying organized, and following proper procedures, you may be able to navigate the process more effectively. However, each case is different and outcomes vary. Consider consulting with an attorney to understand your specific rights and options.

BetterClaims provides information and educational resources about the post-accident process. Whether you need information about how to obtain a police report or want to learn about claim procedures, we offer resources to assist you. We do not provide legal advice or representation through this website. 

The information provided is for general informational purposes only and should not be relied upon as legal advice. Every case is unique, and you must consult with a qualified attorney regarding your specific situation. No attorney-client relationship is formed by using this website or contacting us unless and until a written retainer agreement is executed.

📞 Call (877) 648-4271 to speak with a representative.

No attorney-client relationship is created by calling this number or using this website until a written retainer agreement is executed by both parties. This communication is considered attorney advertising.