Car Insurance Claims FAQs
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).
