How and When Do You File an Auto Insurance Claim?

Auto insurance policies typically include several types of coverage, such as liability, collision, comprehensive and uninsured/underinsured motorist. Each type of coverage provides different financial protections and may apply in various situations, so it’s essential to review your policy and understand what is covered before filing a claim.

When to File a Claim

Knowing when to file an auto insurance claim is crucial to ensure you receive timely compensation for damages or injuries. In general, you should file a claim as soon as possible after an accident or incident that results in damage to your vehicle or injury to yourself or others. Delaying the claims process may result in a denial of coverage, so act promptly.

Your agent can help determine when circumstances call for an auto insurance claim. If you are in an accident and your car is damaged or someone is injured, it’s crucial to file a claim as soon as possible.

How to File an Auto Insurance Claim

Before filing a claim, assess damage to your vehicle and any injuries sustained. If anyone is injured, seek medical attention immediately and report the accident to the police. Your insurer may require a police report, even if there are no injuries and the damage to the involved vehicles is minor.

After ensuring everyone’s safety, contact your insurer to report the incident. Provide detailed information about the accident, including a description of what happened.

To support your claim, gather documentation such as photos of the accident scene, witness statements, police reports and any medical records related to injuries.

Your insurance company will provide guidance as you file a claim. Be sure to provide all requested information accurately and promptly to expedite the claims process.

After filing a claim, an insurance adjuster will assess the damage to your vehicle and determine the extent of coverage.

Once the insurance company has assessed the claim, they will provide a settlement offer for the damages. Review the offer carefully and consult with a legal professional if necessary to ensure that you receive appropriate compensation.

If you agree to the settlement offer, finalize the claim by signing any necessary paperwork and receiving payment for damages. If you disagree with the offer, you may be able to negotiate with the insurance company or pursue other legal options.

Contact Us

Contact Goal Auto Insurance Services Inc. in Modesto, CA to review your current auto insurance and get answers to your claim questions.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.