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. In this guide, we’ll break down each step so you can navigate the process with confidence.

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’s one of the strongest pieces of evidence in any claim.

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 even jeopardize your claim.

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 don’t have to accept the first settlement offer. You can negotiate.

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 responsible, their insurance should pay for your damages. You may still need to file through your own insurance first, especially if the other party is unresponsive or uninsured.

Need Help with a Claim?

Filing an auto insurance claim doesn’t have to be stressful. By knowing your rights, staying organized, and following each step, you can make the process smoother—and get back on the road faster.

BetterClaims is here to guide you through the post-accident process. Whether you need help getting a police report or understanding your claim rights, we’ve got your back.

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