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7 steps to file a home or auto claim Step 1: File a police report. Step 2: Document any damage. Step 3: Review your coverage. Step 4: Contact your insurance company. Step 5: Prepare for the insurance adjuster. Step 7: Receive the claim payment and repair the damage.
When you file a claim, you'll be asked to provide some basic details, such as where and when the accident or incident took place, contact information for everyone involved and a description of what happened. You might also be asked to give an estimated cost of the damage from the accident?if you have that available.
For example, don't say things like ?I think he was speeding,? ?I may have been changing the radio,? or ?He was trying to avoid a pothole.? You must cooperate with the insurance adjuster during their investigation, but you do not have to offer information or speculate about information that you do not have or don't ...
You could give the closest intersections or nearby businesses if the accident happened on an urban street. Mile markers or exit numbers are sufficient if the crash happened on a rural road or interstate. Other details of the scene include the time, weather and road conditions.
Stop Your Vehicle and Assess the Damage When an accident happens, the first thing you should do is stop your vehicle. Check whether you or anyone else in your vehicle has been injured. If you or someone else has suffered a severe injury, call 911 immediately to receive medical attention.