Car accidents happen every day on the nation’s highways and roads. Knowing what to do after one occurs can help you recover quickly, both physically and financially. It all starts with filing an auto insurance claim. Here are the steps you should take to get the process going.

4 Steps to Take When Filing an Auto Insurance Claim

1. Take Photos and Collect Data

After an accident, use your mobile phone to take photos of the damage to all affected vehicles. If you’re not able to do so, ask a passenger or a possible witness. Record as many details about the collision as possible. Your records should include what happened, the other person’s involvement, the location of the accident, and the damage that was done. Be sure to also get the other driver’s insurance, phone number, and driver’s license information. All of these details will help you process your auto insurance claim expeditiously.

2. Notify the Police

Call the police soon after the accident so that you can get an official account of what occurred. The police report will contain vital information that you may miss in your personal recollection. These details can work in your favor when determining fault during the claim investigation. 

3. Submit an Accident Report

Depending on the state you live in, you may be required to file an accident report with the Department of Motor Vehicles or local law enforcement. If a person was injured or killed, or if property damage exceeds a certain dollar amount, you will likely need to file a report. Check with your state’s DMV if you’re required to do so and in what time frame. The accident report is another essential component in the auto insurance claim process.

4. Follow Up With the Claims Specialist

It’s critical to stay in contact with the insurance claims specialist in case they need additional information or photos. Respond right away to phone calls, emails, and text messages. Doing so will aid in speeding up the case and help the adjuster assess damages. If the other driver is found at fault, you could potentially receive a settlement for repairs and other related costs.  

Imperial Agency in Garfield, NJ, understands that the aftermath of a vehicle accident can be scary and uncertain. That’s why the locally-owned firm will work closely with you during the auto insurance claim process. You can count on the team of professional and friendly agents to keep you updated and address your concerns. If you’re seeking new coverage, call (973) 546-9567 or visit the website to request a free, no-obligation rate quote.