Car Insurance Claims FAQs Edit Title

Car insurance claims can be confusing. Here are some common questions and answers about filing claims with your car insurance company.

How do I file a claim?

Many car insurance companies offer multiple avenues to file a claim. You may be able to file:

  • In person.
  • By phone.
  • Online.
  • Via a mobile app provided by the company.

Essentially, you'll need to provide some basic information (see next FAQ) and provide accident details. To learn more, visit our How to File a Claim page.

What do I do immediately after an accident?

Immediately after an accident:

  • Check to see if any parties need urgent first aid attention.
  • Do not move the vehicles, unless they are endangering oncoming traffic.
  • Contact the authorities for medical and police services.

Once help is on the way:

  • Gather the VIN and license plate numbers of all vehicles involved.
  • Exchange the following information with the other driver(s):
    • Names.
    • Addresses, phone numbers, and insurance information.
  • Do not apologize or admit fault. Avoid discussing the accident until the authorities arrive.
  • Take photos of damages.

Once you have the necessary information, give it to your car insurance provider.

What information do I need to have to file a claim?

Each insurance provider has a different set of information required when filing a car insurance claim. You will need, at a minimum, the following:

  • Policy number (listed on your insurance card).
  • Date of the accident.
  • Location of the accident.
  • Description of how the accident occurred.
  • Name, address, license plate, and insurance information for the other party involved.
  • Name of the police department involved (if applicable).
  • Police report number (if applicable).

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