When a covered accident happens, call your company as soon as possible regardless of who is at fault. It is important to let your insurance company know about the incident, even if the accident appears minor, to find out whether your auto insurance policy covers you for the particular loss. Many insurers now offer apps that allow you to report a claim, check claims status, upload photos, check your deductible, schedule an appraisal, reserve a rental car, and request reimbursements for towing and glass claims. You might be required to supply documents to support your claim. Your insurance company may require a “proof of claim” form and, a copy of the police report. Your insurer may have a feature on its website that allows you to monitor the progress of your claim. Some insurance policies have a time limit for filing claims and submitting bills for reimbursement. Be sure to supply the information your insurer requests. Fill out the claim forms carefully. Keep thorough and organized records of anything related to the claim, including the names and phone numbers of everyone you speak with at your insurer and copies of any bills related to the accident. If your policy coverage does not apply and another party is at fault, you might need to locate the insurance company’s contact information for an at-fault party.
