How to make a car insurance claim after an accident

The way you handle a car insurance claim after an accident will have a lot to do with how the process moves forward. If you make all the right decisions, you put yourself in position to receive the compensation you deserve.

However, if you make any mistakes along the way, it could hold you back in more ways than one. Fortunately, once you know how to make a car insurance claim, everything will fall into place.

Here are a few steps to follow:

  • Call your insurance company as soon as possible. Now is the time to let them know you were involved in a car accident. While you need to do this, you are under no obligation to talk about the crash, your role or what your plans are to do next. You'll have plenty of time for this at a later date.
  • Review the details of your policy, You may think you know the details of your car insurance coverage, but you still need to review your policy to be 100 percent sure that you understand what is and isn't covered. You could come across a detail that surprises you and changes your approach.
  • Keep notes of every conversation you have with your insurance company. It doesn't matter if you're talking to your agent, an adjuster or someone else, take accurate notes, as these may be useful at a later date.
  • Take photos of your injuries, the accident scene and damage to your vehicle and other personal property. This isn't always possible, such as if you were seriously injured and immediately transported to the hospital, but it's something you should try to do.
  • Be honest and stick to the facts. There is no point in stretching the truth when making a car insurance claim. You have a policy and your insurance company needs to provide coverage as outlined. You shouldn't lie in order to make this happen.

When you combine these steps with knowledge of the insurance system and your legal rights, you should be able to feel confident navigating this part of the process. Your goal is to obtain the compensation you deserve for your injuries and other damages, so don't give in and hope for the best.

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