While you always plan to be the safest driver on the road, you can’t control the decisions other people make. That’s why you have an insurance policy in place to protect yourself, your car, and your finances in the event of an accident. If you do end up in a collision, rest easy knowing the claims process will keep your finances in place and repair your vehicle. Below are five major steps to follow when making an auto insurance claim so that the aftermath of an accident is as stress-free as possible.

How to Submit an Auto Insurance Claim

1. Call the Police & File an Accident Report

The police should be called to any car accident, regardless of its severity. An officer will take down the statements of every party involved and describe what happened with as much detail as possible. Get a copy of the police report and, depending on the state, you may need to file it with the DMV. 

2. Contact Your Insurance Company Immediately

Even if the police haven’t arrived yet, call your car insurance company. They’ll share what is needed to file a claim so you can get the necessary information before it’s too late. They’ll also recommend a towing and rental car company, if desired. While on the phone, they should begin a claims file.

3. Gather Documents & Information About the Accident

If you’re physically able to, take photos of the damaged cars along with street signs and traffic signals. Get the other drivers’ insurance company name and policy number along with their name, address, and phone number. Then, gather vehicle information, such as the make, model, year, and license plate number.

4. Work With a Claims Specialist

You’ll be given a claims specialist who will manage communication with a body shop, the other drivers’ insurance company, and the drivers themselves. He or she will also deal with personal injury claims or payments for auto repairs. Ask the specialist any questions about repair cost and guarantees when sending your vehicle in for body work.

5. Receiving Payment for Auto Body Repairs

After learning about the accident and the amount of repair work needed, the claims specialist will calculate the total cost. Depending on your policy, you may need to pay a deductible first. Get a copy of the estimate to learn exactly what is going to be done and whether aftermarket or original manufacturer parts will be used. If you and the claims specialist come to an agreement on the price, then the car can be repaired and you’ll receive payment.

If you need a reliable car insurance firm to give you peace of mind while behind the wheel, Allstate Insurance Companies in High Point, NC, can help. Their head broker, Dewey Beckner, has more than 20 years of experience in the industry and has provided a wide array of insurance products and financial services to residents in Archdale, High Point, and Jamestown. In addition to car insurance, they also offer renters, business, life, boat, and homeowners insurance. They’ll cover all aspects of your life. Give them a call at (336) 884-5636 or visit their website to read reviews about their services and to get a quick, personalized quote.