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Auto insurance claims
An Introduction to Auto Insurance Claims Procedures

If you are involved in a car accident—whether the accident was your fault or not—or if your car is stolen or damaged then you will need to know how to make a car insurance claim with your insurance company. Luckily, most of us don’t have to get into the habit of making car insurance claims, but, on the other hand, this means that we may not know what to do to when we need to go through the accident claims or accident injury claim process.

Most auto insurance claims, however, can be handled quickly and simply by trained insurance staff who will be able to talk you through how to make a car insurance claim. Ways of making car insurance claims may vary from insurer to insurer but, in most cases, they will need to know certain pieces of information before they can process your accident claims or accident injury claim. So, before you call up the insurer to start the process, make sure that you know the following information:

  • A breakdown of what actually happened and whether it was your fault or not.

  • The actual time of the accident, day it happened, and exact location.

  • The names, addresses, and contact details of anyone else who was involved in the event of an accident.

  • The names, addresses, and contact details of any witnesses who may have seen what happened.

  • The registration number(s), make(s), and model(s) of any cars that were involved.

  • If you had to call the police in the event of a serious accident or if your car was stolen or damaged by a third party then you’ll need a crime reference number for your claim.

In the process of making auto insurance claims for an accident, bear in mind that your insurance company wants to help, but it wasn’t actually there. So, a good tip on how to make a car insurance claim in this instance is to try and write or sketch as much detail as you can about what happened. It can also help when making car insurance claims for accidents if you jot down any obvious damage to people and vehicles so that you can remember it later; this can be particularly useful in accident claims and accident injury claim procedures.               

Most insurers will handle initial requests for auto insurance claims quickly and effectively. Be aware that many will first check that your policy gives you the kind of coverage you need for the accident claims or accident injury claims that you are making. The actual mechanics of how to make a car insurance claim may vary slightly from insurer to insurer, but the basics of making car insurance claims will be more or less the same.

If you have any doubts on how to make a car insurance claim then take a few minutes to read through your policy document which will have a section on auto insurance claims and the best ways of making car insurance claims. Bear in mind that larger insurers may have different ways of managing accident claims and accident injury claim requests so there may be different contact details and initial claims application procedures in the beginning of the process.           

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