How do I file a car insurance claim?


Quick Answer

Policyholders may file a car insurance claim by contacting the insurance company and providing relevant details, according to DMV.org. Claims professionals at the insurance company usually discuss the situation with the claimant, explain the claimant’s coverages and evaluate the situation.

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How do I file a car insurance claim?
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Full Answer

An insurance holder should provide complete information, including his name, his policy number and the policy’s start and end date, states DMV.org. Other essential information include the incident date and time, the driver’s license and license plate numbers of drivers involved and the names and contact information of drivers, passengers and witnesses.

Insurance companies sometimes require car owners to make temporary repairs to prevent additional damage while waiting for approval of permanent repairs, notes DMV.org. Keep all receipts for repair expenses.

When injured in a car accident, take pictures of the injuries as well as the scene, advises DMV.org. Go to a hospital for prompt treatment, and file a police report. Record important details related to the injury, particularly missed work. Insurance companies usually advise claimants to avoid admitting fault at the accident scene.

Claims professionals typically inspect the claimant’s vehicle and investigate evidences of injury claims, explains DMV.org. They also may provide an initial payment. The claimant receives full payment once the case is resolved in favor of the claimant. Anyone who wants a faster resolution process can seek help from an experienced attorney specializing in accident claims.

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