How to File an Auto Insurance Claim

Filing a claim is as easy as following a few simple steps.

  • Call your insurance company as soon as possible no matter who you think is at fault. Even if it is a minor fender-bender, it should be reported.
  • Confirm what your company's representative needs in terms of forms and documents to support your claim. They will typically require a "proof of claim" form and a copy of the police report, if there is one.
  • Make sure you complete the required forms and keep good records. Maintain a log of everyone with whom you speak and copies of any bills you incur.

  • Confirm the following:
    • If your policy has a time limit for claims and bills submissions
    • If there is a time limit on claims disputes
    • How long will the insurance company take to contact you
    • If you need estimates for the damage to your vehicle
    • Does the policy cover a rental car while yours is being repaired

Keep in mind that every state has different laws covering claims so if you have any questions you should contact your insurance company, agent, or state insurance department.