Claims Guide
Know the usual steps after an accident or covered loss.
The exact process varies by carrier and claim type, but most personal auto claims follow a familiar sequence from documentation through review and resolution.
Claims feel easier when people know what to expect.
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1. Protect safety first
Move to a safer location if possible, check for injuries, and contact emergency services when needed. Safety and medical attention come before paperwork.
Immediate step
2. Gather key details
Exchange information with the other driver, note witness names if available, take photos, and record the date, time, and location of the event.
Documentation
3. Report the claim
Most carriers allow claims to be reported by phone, website, or app. Have policy information and the basic facts of the event ready when you start.
Claim intake
4. Work with the adjuster
An adjuster may review the loss, request statements or documents, inspect the damage, and explain the next steps based on the policy and facts available.
Review
5. Estimate and repair
Depending on the claim, your vehicle may be inspected and a repair estimate prepared. Repair options, rental coverage, and payment timing can vary by policy.
Resolution
Helpful items to keep ready
- Your policy number
- Driver and vehicle information
- Photos from the scene or damage area
- Police report number if one exists