Written by The Auto Insurance Claims Process
If there are no injuries, filing a car insurance claim can be very simple. A standard vehicle damage claim will be filed with your insurance company, sites like State Farm and Progressive allow you to file instantly online. However, you can always pick up the phone and give your insurance company’s claims department a call – in fact, you’re likely to spend a bit of time on the phone with your company providing your statement and fielding follow up calls.
- The claims adjuster. Depending on your insurance company (or the insurance company that is handling the claim and payout) you may have an agent come to you (Progressive sends out claims adjusters even to scenes of the accident) or you might be required if the car is operable to drive down to the adjusters location.
- The Proof. If you owned an insurance company and had to deal with the amount of auto insurance fraud in the industry you’d be picky too. With this in mind the insurance company is going to need substantial proof before paying a dime. What proof do they need? Police report, admission from the other party, and any other witnesses if possible. A police report will go a long way towards to case so if you don’t know what to do after a car accident read this.
It’s possible that your claims process will not go as smoothly as you’d like, but keep calm make sure you know exactly what happened and who was at fault and your insurance company will help you complete the appropriate steps.
Insurance Company Claims Resources
State Farm Insurance Claim Center
