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How to File a Car Insurance Claim Step 1: Understand your policy Before a loss, sit down and carefully read your insurance policy. Call your agent or company if you have any questions about what is or is not covered. Step 2: Exchange information If you are involved in an accident, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give the same information about yourself to the other driver. You can find insurers' telephone numbers on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle. Step 3: Identify witnesses Ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed. Step 4: File an accident report Contact local law enforcement officers to have an accident report prepared. If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site. » Discuss it » Continue Reading »
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