Auto insurance helps cover costs associated with an accident, regardless of whether you were the driver at fault. It can also provide compensation for other types of damages your vehicle sustains, such as a hit-and-run or theft. If you need to file a claim, review these steps to ensure a smooth process.

How to File an Auto Insurance Claim

1. Contact the Police

Many insurance companies require a written accident report before a claim can be opened. This formal record ensures an unbiased account of the event is recorded.

Contact the police immediately after an accident occurs, even if it seems minor. The officer on the scene will collect information from you and any other drivers involved, and they may also speak to witnesses. They’ll also tell you how soon you can request a copy of the report from the police department.

2. Gather Information

While the accident report will serve as a formal record of the event, it’s also a good idea to document as many details as possible. Note the date, time, and location of the accident, as well as the circumstances leading up to it. For instance, describe which direction you were traveling in, whether there were any passengers, and other details.

Jot down the make, model, and license plate number of the other vehicles involved in the accident as well. If possible, speak to the other driver to get their insurance information.

3. Contact Your Insurance Provider

Once you’re in a safe space and you’ve recorded the information listed above, contact your auto insurance company. It’s best to contact your provider as soon as you can after the accident, as some insurers require policyholders to alert them within a set time frame.

Your company can also discuss what’s covered in your policy. For example, they’ll let you know if the towing service costs are covered. You’ll receive a claim number from an agent, which you should document for your records.

If you’re a driver seeking the best auto insurance for your needs, turn to Metro Insurance Agency for help. Serving Waynesboro, VA, this trusted team has over two decades of experience helping clients find personalized policies for cars, boats, motorcycles, and homes. Explore their auto options online, or call (540) 942-2200 to request a quote.