How to File an Auto Insurance Claim: Tips for a Smooth Process 

Understanding the auto insurance claim process can make the aftermath of an accident more manageable. Servi-Express offers valuable support that can make the process smoother and less overwhelming.

When Should I File an Auto Insurance Claim?

You should consider filing a claim after any accident involving injury, significant vehicle damage or damage to someone else’s property. Minor incidents may also warrant a claim if repair expenses exceed your deductible or if another party is involved.

Auto Insurance Claim Checklist

Follow these steps to help streamline the process and avoid common delays:

• Document the damage. Take pictures of all vehicles involved, license plates, damage and the surrounding area. Collect all parties’ contact and insurance information.
• File a police report—A police report is essential in many cases, especially those involving injury or disputes.
• Notify your insurance company—Most companies offer multiple ways to report a claim:
• Call the claims department directly.
• Use the insurer’s mobile app.
• Submit a claim through the company’s website.
• Visit a local office if available.
• Provide accurate information—Be honest and detailed when describing the incident. Include the date, time, location and any witness statements.
• Keep a record of your claim. Ask for updates and timelines for inspections or repairs.
• Review the settlement—Once your insurer evaluates the damage, review the settlement offer carefully before agreeing to repairs or reimbursement.

Servi-Express can guide you through the process of filing your auto insurance claim. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.