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How To Make A Car Insurance Claim After an Accident?

Written by: Jody Adams
Last updated: January 31, 2024


So, you’ve been in an accident, and your car has taken a hit, right? And, now, you want to get your insurance money by making a claim - did we get that right?

Well, it’s the right decision.

It’s your money, after all. So, why wouldn’t you make a claim on it?

In this article, we’re going to offer a step-by-step process on how you can make an insurance claim on your damaged car. Please go through the same closely, and comment if there’s any confusion in your mind. We’ll try to answer you as soon as we can.

Making A Car Insurance Claim - A Guide

When it comes to making a car insurance claim, hiring an Accident Attorney is essential. It’ll make it easier for you to take care of your paperwork and process the lawsuit seamlessly.

Apart from that, you can also get various insights on the side of the law from them. So, if you get stranded in a pitfall, you’ll be able to get out of it pretty easily.

Step - 1: Contact The Insurance Company

If you have been in an accident, the first thing that you should do is call your instance agent. And, don’t forget to convey the answers to the following questions too -

● Who was driving the car?

● Which vehicle was involved in the accident?

● What was the time and location of the accident?

● What was the basic insurance information and name of the other driver?

Apart from these, you will be asked about the others who were involved in the accident too. It will help them find out witnesses who can confirm the details for them.

Also, don’t forget to provide a bit of detail on the accident and the damage it has suffered. Or else it’ll be impossible for you to get the amount of money you’re asking for.

Step - 2: File A Police Report

Once you’re done contacting the insurance company, go to a police station and file your report right away. After all, your insurance company might ask for the same after a while.

So, it’s best if you have the same with you from the beginning. If the police didn’t arrive or in case you didn’t get the report at the scene, you could visit the station by yourself.

Step - 3: Wait For The Adjuster

Once they get your request, the insurance company will assign a new adjuster for you. He or she will most likely call or text you for a little more information about the case.

So, don’t try to exaggerate anything and stick to the facts till the end. Also, make sure to stay away from speculations as much as possible. Give the contact details of a witness if you can.

Also, don’t forget that the conversation is going to be recorded from the beginning. And later on, it will also be

Step - 4: Get The Report

After the adjuster has evaluated the facts and all, they’ll send you a report of everything. It’ll include the damage rating of the vehicle and your insurance coverage.

So, please go through the same as closely as possible. And, take a note if they have made any mistake on their part. Also, keep a photocopy of the same as well.

The insurance company is going to use the same to pay for the repairing of the car damages. So, it’s best to keep an eye on everything before you move on.

Step - 5: Accept The Payment

Finally, when everything’s done and dusted, you can accept the payment as a whole and use it for the repairs. After all, you will also need to sign a release note after you have accepted the offer. This will be kept for their record only. So, again, please double-check before sending.

Wrapping It Up!

If you’re filing an insurance claim, it’ll be best to do it in front of a lawyer who’s well-versed in this aspect. This way, you can ensure that you’re not making any mistakes as a whole. Also, there won’t be any need to worry about the claim failing entirely.

So, that’ll be all for this article. If you want to know more, please comment below We’ll try our best to offer as much information as possible.

If you're having problems with your insurance, consider hiring a litigation lawyer. To learn more about it, check out our article about when should you hire an insurance litigation lawyer.

Jody Adams
Jody Adams is an accomplished editor-in-chief with a deep understanding of social care and government benefits issues. With a background in journalism and a master's degree in Public Policy, Jody has spent her career shaping the narrative around social policies and their impact on society. She has worked with renowned publications, effectively bridging the gap between complex policy analysis and public understanding. Jody's editorial expertise ensures that vital information on social care and government benefits reaches a broad audience, empowering individuals to make informed decisions.
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