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Insurance is a safeguard you put in place to protect you from financial loss in case of accident. But when you do have an accident, what’s next? Here’s what you should know about filing an auto insurance claim so you get the help you need.

3 Steps for Filing an Insurance Claim

1. File a Police Report & Gather Evidence 

The first step to filing an insurance claim is to gather evidence about the accident itself and document the accident in as much detail as possible. File a police report about what happened, take pictures of the damages, and gather information in writing from any witnesses. Exchange information with other drivers involved, including names, insurance policy numbers, and license numbers. All this evidence will help you move forward with your claim.

2. Determine Who Was at Fault 

auto insuranceIn any accident, whether a car accident, a motorcycle accident, or a recreational vehicle accident, one person is usually at fault. To determine who is at fault, look at the evidence and consider local traffic laws applicable to the situation. For example, if a driver pulled out at a red light or went through a stop sign, they’re at fault. Some accidents may require a court appearance to determine who is responsible.

3. Consult an Adjuster for the Final Settlement

Once a determination has been made about who is at fault, you may need to meet with a claims adjuster. You may be able to negotiate a revised settlement, when there’s a question about coverage that leads to your having to pay more for repairs or injuries.

 

When you’re looking for auto insurance from a qualified specialist, choose Farmers Insurance Group in Mountain Grove, MO. Our skilled agents competently work with customers to get them get the coverage they need at affordable rates, whether they need farmer’s insurance, homeowners insurance, or any other type of policy. To get a quote, call (417) 926-7900 today, or follow us on Facebook to keep up with agency news.

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