How to file a car insurance claim
What to do at the scene, what to document, and how to work your claim to a fair outcome.
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1
Make sure everyone is safe
Check for injuries and call 911 if anyone is hurt. Move vehicles out of traffic only if it is safe to do so.
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2
Document the scene
Photograph all vehicles, damage, positions, road conditions, and signs. Note the time and location.
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3
Exchange information
Get the other driver's name, contact, insurer, policy number, and plate. Collect witness contacts.
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4
File a police report
Many insurers require one. Record the report number.
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5
Notify your insurer
Start the claim by phone or app. Ask what documents they need and confirm your deductible.
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6
Track everything in writing
Keep notes of every call and follow up if a payment is delayed or denied.
Educational content only — not legal, financial, or insurance advice. Requirements vary by state.