We are often asked if you should or should not file a claim. It’s an easy decision depending on the severity. However, there may be a time when notifying your insurance company may not seem worth it. This is especially true for smaller crashes or losses that are not your fault, like fender benders. 

If you choose NOT to file a claim, be aware that the insurance company may deny all claims resulting from the accident or loss leaving the financial burden all on you.   If you are uncertain, our advice is to always keep us in the loop and call us.  Here are a few things to consider when deciding to file a claim.

1) Were there injuries? 
2) Were you the one or did you contribute to the accident in any way that caused the accident?
3) Was anybody else involved?
4) Was property damage involved? 
4) Is it a requirement in your insurance policy?

If you are unsure if you should file a claim, give our team a call. We can help you sort out the facts so you can make an educated decision.

Here is what to expect if you do file a claim:

Car insurers are taking steps to make your insurance claim process easier. You basically have 3 options when filing your claim:

1) Call us  (preferred method) and we will report the claim on your behalf. We will also follow-up within 24 hours, to make sure a claim adjuster has been assigned to your case. We will follow-up again in 5 business days to make sure you are happy with your adjuster. Then, we will follow-up again in 30 days to make sure your claim is running smoothly and address those things to keep your claim on track.

2) Call a toll-free number and report your claim to a claims center.

3) File On-line, you may need to log into your insurer's claims page with a user name and password. Or, you might be asked to give your policy number, Social Security number, or some other unique way to identify yourself. In order to complete the claim, present a copy of the police report, and all receipts for repairs to your insurance company.

Types of Information You'll Be Asked to Supply

All insurers will ask for information. Here's a list of questions you should expect to answer before you report your claim.  

  • Policy number (can be found on your insurance card).
  • Date of the accident.
  • Location of the accident.
  • Description of how the accident occurred.
  • Name, address, license plate, and insurance information for the other party involved.
  • Name of the police department involved (if applicable).
  • Police report number (if applicable).
  • Pictures from your smart phone (if available).
  • List of witnesses (if available).

After Filing the Auto Insurance Claim

Once you've filed the claim, the process varies depending on your insurer and the type of claim.  In some cases insurers have a direct repair facility or a preferred body shop.  If this is the case, and your car is drivable, you can bring it to one of these facilities for an estimate and all of the repairs. Otherwise, an insurance adjuster may evaluate the damage to your car or ask you to get some estimates. You may be asked to take your vehicle to a body shop that's approved by your carrier.

Depending if there were others involved in the accident, you may be contacted by the other person's insurance company (if it's not the same as yours) asking you to provide your version of what happened, or to verify your information.  Be careful what you say here and never admit guilt to anyone other than your insurance company or their representative.