FAQs on Auto Insurance Claims

When you own a vehicle, there will come a time when you will need to contact your auto insurance company to make a claim. You may not know the steps that are needed to make the claim. Many car owners make a huge mistake of not filing a claim when an emergency arises. By following simple steps, you will be on your way to driving again.

Q: What should I do after I am in a car accident?

A: Get out of your vehicle, if you can. Call medical emergency and the police. Try talking to the person whom you had the accident with by getting their name, address, phone number and registration information. Give them your information. Take pictures of both vehicles. Seek medical attention from paramedics.

Q: When should I contact my auto insurance company?

A: Contact your auto insurance company as soon as you get home. Describe the accident in detail.

Q: Who can make a claim?

A: The driver or the policyholder should file a claim. File a claim even if it wasn't your fault.

Q: How can I make a claim if I am in the hospital?

A: Get someone else to make a claim. Give the person that you want to file the claim as much detail about the accident as possible.

Q: What should I do if my vehicle is stolen or vandalized?

A: Contact your local authorities. Contact you car insurance company afterwards.

Q: What happens if something is stolen out of my vehicle?

A: Contact your local authorities. Contact your auto insurance company to file a claim. Report any items stolen to your renters or mortgage insurance agent.

Q: Can I file a claim if my vehicle is damaged by a natural disaster?

A: You can file a claim if your vehicle is damaged by natural disaster. Contact your auto insurance company to find out if you are covered by natural disaster.

Q: Can I make a claim after normal business hours?

A: Contact your auto insurance company the same day to see if they are still open or wait until the next business day. Make a claim as early as possible the next business day.