How to File an Auto Insurance Claim

If you’re in an automobile accident – or if your car is damaged in a flood or storm – do you know what to do?

To receive an insurance settlement for covered losses, you need to file a claim. There are a few things the Insurance Information Institute recommends you do when filing a claim:

1. Call your insurance agent as soon as possible to tell them what happened and the extent of the damage. Some policies require notification within a certain timeframe, so don’t delay! Your agent will explain your options, let you know whether the damage to your vehicle is covered and file your claim.

Auto Insurance Claim | Bell Bank


2. Document the damage by taking pictures of your vehicle and keeping copies of any bills related to the damage. The more details you can provide in your claim, the better. It might also help to write down the names and phone numbers of anyone you might speak with following an accident.

3. Fill out the claim forms carefully. Your agent will let you know what forms or documents you’ll need to support your claim. These may include a “proof of claim” form and a copy of the police report, if your claim is the result of an accident.

4. Ask questions. When your claims adjuster assesses the damage, make sure to ask whether the vehicle is a total loss. If the repairs will cost more than your car’s value, you may be offered the vehicle’s current market value minus any deductible that applies.

When the worst-case scenario happens, we’re here to help you through it. Call our office at 800-369-2501 or request a quote online to make sure you have the coverage you need.