Car Insurance Help & Claims
Everything you need to handle a claim calmly and answer the most common questions about your auto policy.
How to File a Claim — Step by Step
Ensure safety first
Move to a safe spot, check for injuries, and call emergency services if anyone is hurt. Your wellbeing comes before any paperwork.
Document the scene
Photograph all vehicles, damage, license plates, the road, and any visible injuries. Note the time, location, and weather conditions.
Exchange information
Collect the other driver’s name, phone, insurer, policy number, and plate. Get contact details for any witnesses.
File the claim promptly
Contact your insurer as soon as possible. Most accept claims by phone or app 24/7. Provide your photos, the police report number, and a factual account.
Work with the adjuster
An adjuster will assess the damage and explain your payout after the deductible. Keep records of every call and get repair estimates in writing.
Frequently Asked Questions
Will filing a claim raise my rate?▼
An at-fault claim usually adds a surcharge for about three years, while a not-at-fault claim or a glass-only comprehensive claim often has little or no effect. Weigh small repairs against your deductible before filing.
What is a deductible?▼
The deductible is the amount you pay out of pocket before your collision or comprehensive coverage kicks in. A higher deductible lowers your premium but means more cost if you have a claim.
How long do I have to file a claim?▼
Report accidents as soon as possible. Many policies require prompt notice, and waiting can complicate the claim or let evidence disappear. There is no benefit to delay.
Do I need a police report?▼
For any accident with injuries, significant damage, or another driver, a police report strengthens your claim and is required in many states. For minor solo incidents it may be optional.
What if the other driver is uninsured?▼
If you carry uninsured/underinsured motorist coverage, your own policy pays for your injuries and, in some states, vehicle damage. This is why that affordable add-on is so valuable.
How can I lower my premium?▼
Bundle policies, raise your deductible, maintain a clean record, ask about safe-driver and low-mileage discounts, and compare at least three quotes every renewal.
Still Researching?
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