After an accident, a clear claim process helps reduce stress and supports better documentation. Your insurer may provide a mobile app, phone claim center, or online portal.
1. Ensure Safety First
Move to a safe location if possible, call emergency services when needed, and check for injuries.
2. Collect Key Details
Gather the other driver’s contact and insurance information, photos of all vehicles, and witness information if available.
3. Notify Your Insurer Promptly
Most policies require prompt notice. Provide accurate facts and avoid speculation about fault at the scene.
4. Work With the Adjuster
The adjuster reviews evidence, damage, and policy terms. Keep records of communications, estimates, and receipts.
5. Review Settlement Details
Before accepting a settlement, confirm what is covered, your deductible, and whether rental reimbursement applies.
Disclosure: Procedures vary by insurer and state law. Contact your insurer for official claim instructions.