Claims.

Report a claim

Steps for Filing an Auto Insurance Claim

Key Considerations

1. Ensure Safety and Seek Medical Attention:

our first priority after an accident is safety. Call 911 if anyone is injured. If your car is drivable, move it out of traffic if it's safe to do so.

Check for injuries and call 911 immediately if anyone needs medical attention.
Move vehicles to a safe location if possible and the car is drivable, to prevent further accidents.
Call the police to the scene to create an official accident report, which is crucial for the insurance process.
Obtain the officer's name, badge number, and the report number before leaving the scene.

Document the Scene and Gather Information

ake photos and videos of the damage to all vehicles, the position of the vehicles, road conditions, skid marks, traffic signs, and any visible injuries.

Exchange contact and insurance information with all other drivers involved (name, address, phone number, insurance company, policy number, and license plate numbe
Do not admit fault or discuss the specifics of the accident with others at the scene.
Take photos and videos of the damage to all vehicles, the position of the vehicles, road conditions, skid marks, traffic signs, and any visible injuries.
Take photos and videos of the damage to all vehicles, the position of the vehicles, road conditions, skid marks, traffic signs, and any visible injuries.

Report the Claim to Your Insurer

Notify your insurance company promptly, ideally within 24 hours, as most policies have time limits for reporting a claim.

Use their preferred method (phone, online portal, or mobile app) to file the initial report.
Provide accurate details of the accident, the police report number, and all gathered information about other parties involved.
Review your policy's coverage and deductibles to understand what to expect during the process.

Cooperate with the Insurance Adjuster

An adjuster will be assigned to your claim, typically contacting you within a few days.

Provide a recorded statement if requested, but stick to the facts and avoid speculation.
Submit all documentation and evidence you've collected, including photos, medical records, and the police report.
Be available for vehicle inspection by the adjuster or an appraiser, who will assess the damage and determine the initial cost of repairs.
Keep a record of all communications with the adjuster, including dates, times, and key points discussed.

Report a claim

File anywhere
Track the status of your claim
Communicate by email, phone, or text

How to report a claim

When the unexpected happens, you can count on us to help you get your life back on track. Our trusted claims experts are available 24/7 and know what it takes to make your entire experience as reassuring and convenient as possible.