We can never know when an accident is going to occur. That’s the whole point of having insurance, to protect us from the unexpected. We understand how shocking and traumatic accidents can be. When you’re involved in an auto collision, oftentimes, you’re not able to immediately process what’s just happened. And, filing a claim with your insurance company probably isn’t the first thing on your mind. Once the sheer shock of the collision has worn off, it’s important to take the next step. You’re probably going to want to file a claim. We’ll take you through the process to make sure it’s easy, understandable, and stress-free.

When should I file an insurance claim?

If and when you are ever involved in an auto collision, the first step you are going to want to take is to assess the amount of damage to the vehicles involved. Minor dings and scratches may present damage in which the cost to make repairs does not exceed your auto insurance deductible (this is the amount of money you have agreed to pay out of pocket before your insurance company covers the remaining costs up to your policy’s limit). If this is the case, filing a claim may not be your best option since filing too many claims may lead to an increase in the cost of your insurance or an outright cancellation. If you do choose to move forward with filing a claim, your insurance company will send out an insurance adjuster to assess the damage and will make a determination as to how much repairs will likely cost. If the claim is approved, you will receive a check in the mail to cover the cost of repairs. Again, you must pay your deductible beforehand.

There are certain scenarios in which you should strongly consider filing a claim:

When someone is injured.

If anyone involved in the auto collision is injured as a result of the collision, you should file a claim with your insurance company.

When it’s not 100% clear who the at-fault party is.

Sometimes, it’s not perfectly clear who is responsible for damages related to an auto accident. If this is ever the case, exchange insurance information with the other driver and let the insurance companies figure out what exactly happened. A police report may help aid you in this case as well.

When your vehicle is deemed a “total loss” or you simply cannot afford to cover the cost of damages.

In the event of a “total loss” accident, it is likely that you are looking at considerable costs pertaining to damages. In this case, filing a claim is the best way to go.

If you are ever uncertain about whether or not to file a claim, it’s a good idea to talk to your licensed insurance professional who can guide you through the claims process and answer any questions you may have.

When you’re at the scene of an accident, if it’s necessary, call the police. A police report may assist in determining what exactly happened at the scene and only makes the process run more smoothly for yourself and your insurance company.

Document Everything and Exchange Information

The information you’ll need from the other driver is as follows:

Name, address and phone number of the other driver, and, if possible, a photo copy of their driver’s license.

Insurance policy numbers

Year, make, and model of all vehicles involved as well as license plate numbers

Taking photographs of vehicle damage can help your present evidence in court if a lawsuit is filed against you. Additionally, photos provide evidence to your insurance company and help them determine payouts as well.

Notes regarding any conversations you had with those involved in the accident and any witnesses who were at the scene.

Call us at 301-948-2010

Our licensed insurance professionals are here for you to guide you through the claims process, so you’re able to have the peace of mind you deserve.