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claims and accident info
filing your auto insurance claim: what info to gather
Whether you file your claim online or prefer to speak with one of our representatives, it helps to gather the following before making auto insurance claims:
- Names and contact info of all drivers involved
- Number of people in each car
- Names of other drivers' insurance companies and policy numbers
- Descriptions of other cars involved (year, make, model)
- Licence plate numbers of other cars
- Witness information (names and numbers)
- Photos of damage
- Police or fire department report (if one was made)
Even if you consider yourself at-fault in the accident, we suggest you don't admit fault as you cooperate with police. This may become important down the road.
after you file your claim
After reporting an auto insurance claim, our goal is to have a dedicated claims rep contact you as soon as possible to get your perspective and gather accident info.
Your rep will then schedule a vehicle inspection at your convenience and help you with other aspects of the claims process, such as:
- Deciding how the car's damage will be inspected (or if an inspection is even needed)
- Getting repairs
- Updating your claim status
- Helping to arrange for a rental car (we can help pay for it, too, if you added a loss of use endorsement to your policy or if the other driver was at fault)
Not all claims will require an inspection (such as an auto theft claim, for example). But if yours does, the process should go like this:
- Your claims rep will schedule an adjuster or appraiser to examine your claim.
- Your claims rep will contact you as soon as possible. Depending on the damage, you may receive an estimate for repairs and the claim may be settled right then.
- If there is significant damage, a claims adjuster or appraiser will be scheduled to examine your car in person at your convenience.
- The adjuster or appraiser will determine if the damage to your vehicle can be repaired and contact your claims rep with an estimate.
- Your car gets repaired.
- Once your car is fixed, your insurer will write a check for the repair amount they're responsible for (minus your deductible) and you can then sign over that check to the repair shop when it's time to pick up your car. The amount your insurer reimburses depends on the types of coverage you have on your policy, your coverage limits, and the type of incident (collision, vandalism, etc.).
- If your claims adjuster determines that the cost to repair your car exceeds your car's worth, they will suggest that it be written off as a total loss. At that point, your representative will make a recommendation for a settlement based on your car's actual cash value just before it was totalled.