How to File a Claim: A Simple Step-by-Step Guide
Filing a claim doesn’t have to be stressful. Use this plain-English checklist to move from incident to resolution with fewer surprises. Keep your details consistent, save your paperwork, and ask questions whenever something isn’t clear your adjuster is there to help.
“Safety first, details second then report quickly so your claim can move forward.”
1) Get safe and document the scene. Check for injuries and call emergency
services if needed. Move vehicles out of traffic if it’s safe. Take wide and close photos of
all vehicles, license plates, street signs, and the overall scene.
2) Gather information. Exchange names, phone numbers, driver’s license
numbers, insurance companies/policy numbers, and plate/VINs. Note time, location, weather,
and any witness contacts. If police respond, ask how to obtain the report number.
3) Report the claim. Contact your insurer by app, phone, or website.
Provide the basics: what happened, who was involved, photos, and where the car is now. Write
down your claim number and your adjuster’s name and contact info.
4) Review coverage and deductibles. Ask which coverages may apply
(liability, collision, comprehensive, rental, medical/PIP/MedPay where available). Confirm
your deductible and whether you have rental or towing benefits.
5) Inspection and estimate. Your insurer may use photos, a virtual
estimate, or an in-person inspection. You can usually choose any licensed repair shop;
network shops may offer streamlined billing and warranties. Expect “supplements” if more
damage is found after teardown.
6) Repairs and payment. Typically, you pay your deductible to the shop
and the insurer pays the rest up to covered amounts. If you paid out of pocket already,
ask about reimbursement steps. For glass-only damage, a separate process may apply.
7) Total loss path. If repairs exceed the vehicle’s value, your
adjuster will discuss a settlement based on the car’s actual cash value. If there’s a
loan or lease, the lienholder is paid first. Gap coverage (if you have it) can help with
any remaining balance.
8) Medical and follow-up. Keep records of treatment and expenses. Ask
your adjuster which medical coverages may apply in your state. Respond quickly to
requests for documents to keep the claim moving. When done, review the final paperwork
for accuracy.
Need a hand? Use our simple checklist to stay organized, or start a claim and we’ll guide you through each step in
plain language.
