Even skilled, conscientious drivers may find themselves involved in an accident. If this is your first time being in an accident, you may be unsure what to do. Filing a claim with your car insurance company is the next logical step after an accident. The below guide offers insight on what to do when filing your claim.

What Should I Do When Filing a Car Insurance Claim?

1. Contact the Police

Even if no major injuries occurred, you should contact the police after an accident. A police officer will direct traffic and ensure everyone is safe. The police will also generate a report regarding the crash, which is useful when filing.

2. Talk With the Other Driver

Confer with the other party to exchange insurance info. However, don’t assume responsibility for what occurred even if you believe you’re at fault. A lawyer can construe something as innocent as apologizing as an admission of guilt, so keep interactions brief and limited to essential information.

3. Gather Information

Along with the contact information for other drivers, also record the time and location of the accident. Additional helpful information includes the damage that occurred to your vehicle, road conditions at the time, and statements from any bystanders present on the scene.

4. Contact Your Insurance Provider

Once you have the necessary information, contact your insurance provider to file the claim formally. Provide as much detail as possible, including any pictures you have of your vehicle. When answering questions, be honest and forthcoming to ensure your claim is valid. 

A reliable insurance company devotes the same customer service to clients filing a claim as they do with new clients. With more than a century spent helping clients in Chillicothe, OH, Hummel & Plum Insurance Agency wants clients to have a smooth experience. As an independent agency, they help you find quality insurance products at affordable prices thanks to their sizable carrier network. They also offer many types of coverage, including car insurance, life insurance, and business policies. Schedule a consultation by calling (740) 773-1620 or learn more about their auto insurance online.