Get NY Combined Insurance Claims Made Easy 2018-2023

If you accidentally damage your own car with no one else involved, you might be better off not filing an auto insurance claim. ing to NerdWallet, there's no reason to contact your insurance company if you don't even have any collision coverage or if the damage is less than your deductible.

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

You can give them general information about the accident, including: Your name. The name of others involved in the crash. The date and time of the accident. The location of the accident. The insurance company of the other driver. The make and model of cars involved.

If you need to make a claim contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself.

We strive to process claims within 5 business days upon receipt of complete proof of loss.

You can also submit your claim by mail or over the phone. Simply download the appropriate form from the Forms and Documents section below, print it out and complete it. Once all the information is filled in, just send it to the address or fax number below, or call us at the numbers provided.

An insurance claim is a formal request from the policyholder (that's you) to their insurance company asking for payment after a covered incident. These incidents can include anything covered by your insurance policy, like a hospital stay, a natural disaster, or theft.

Develop your claim strategy based on your reasonable understanding of your coverages, endorsements, exclusions and policy limits. Document everything. Present your position and documentation to your insurance claims adjuster. Negotiate for the settlement you want, need and deserve.