After you’re in an auto accident, you’ll need to file an auto insurance claim. A claim is a request made to your insurance company to receive compensation for the damages sustained in an accident. If the accident was your fault, you can also file a claim for representation or intervention on your behalf. Here are a few steps you should follow to file an auto insurance claim.

How to File an Auto Insurance Claim

1. Contact the Police

Whether it’s a fender bender or a major accident, call the police first. You might be shaken up from the incident, so having the police at the scene can help you remain calm. Once they’ve arrived, you can talk with an officer about what happened. They will ensure your safety and can contact other emergency services if needed.

2. Call Your Agent

Regardless of who is liable for the accident, get your insurance agent on the phone. You want to make sure to follow all the directions your agent gives you. You’ll likely need to provide your agent with documentation and detailed information regarding the accident.  

3. Give a Detailed Report

Once you determine who is liable, you’ll need to report the accident with as much detail as you can. Try to remember everything. It can be hard to calm down after an auto accident, so give yourself a little time before calling. Gather the details and remain calm if you want to receive the best help possible. If the police are at the scene, you can give them a report to help with your claim.

4. Work Closely with Your Agent or Adjuster

You’ll want to get as much information from your agent as possible. Here are some things to consider:

• When the insurance company will contact you

• Time limitations for resolving claim disputes
• Time limitations for filing claims or submitting bills
• If you need an estimate for the damages
• If your policy covers the cost of a rental car

 

Reid Insurance Group has been providing auto insurance to customers in the Lovington, NM, area since 1945. They match clients with customized policies and reliable, affordable coverage. As an independent firm, you can put your trust in them to find you the best rates possible. Visit their website to learn more about their services, or call (575) 396-3645 to speak with a friendly agent today about your free, no-obligation quote.