Filing a Car Insurance Claim After an Accident: A Step-by-Step Guide
When you say “I would like to file a claim for a car accident,” you are starting a formal process with your insurer to request coverage for damages or injuries. The key steps are:
Ensure safety and document the scene – Check for injuries, call emergency services, take photos/videos, and note details.
Notify your insurer immediately – Provide policy details, request a claim number, and ask about deadlines and documents.
Submit supporting documents – Police report, photos, witness info, repair or medical records.
Work with the claims adjuster – They will inspect the damage, verify coverage, and propose repair or settlement options.
Approve repairs and track expenses – Get written estimates, authorize work, and keep receipts for towing, rentals, and medical bills.
Review the settlement – Compare it against your policy; escalate or file a complaint with regulators if necessary.