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Seven Steps to Filing Your Car Insurance Claim 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. Step 5: Notify your insurer Contact your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you use the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible. « Previous Page « » Discuss it » Continue Reading »
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