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File Your Claim

The most important thing to remember about filing an insurance claim is to do it as soon as possible. Your insurance agent may take information from you and file the claim themself (aren't you glad you recorded everyone's names?), or they may give you specific instructions on how to file it yourself.
In any event, be honest―if your insurance company later finds out that you lied to them about any aspect of the accident, it could deny your claim or even cancel your policy.
Hold off on taking your vehicle to the shop until you find out your insurance company's policy on repairs. Your insurance company may want to send someone to inspect the damages first; some even require you to take your vehicle to a repair shop they've approved. Regardless of what mechanic you see, hang on to all receipts and take note of all repairs made.
As long as you notify your insurance company shortly after an accident, you'll make sure all your bases are covered.
For specific insurance requirements in your state, visit our Insurance Center or choose your state below:

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