How to Open an Insurance Claim After an Auto Accident

Auto accidents are an unfortunate reality of modern life, and the aftermath can be stressful and confusing. One of the first steps you need to take after an accident is to open an insurance claim. Doing this correctly can make the process smoother and help you get the compensation you deserve.

In this guide, the Spring car accident lawyers at Wham & Rogers will walk you through the steps to open an insurance claim after an auto accident. Using this guide will help ensure that you are well-prepared for the process ahead. If you have questions or concerns after an auto accident, call us at (832) 592-1108 to speak with one of our lawyers. 

A Guide to Opening an Insurance Claim After an Auto Accident

The things you do immediately after an auto accident factor into any insurance claims or legal actions you may take later. Take a look at our recommendations for what to do after an accident, particularly relating to insurance claims.  

Prioritize Safety

Before diving into the insurance claim process, ensure that everyone involved in the accident is safe. If there are injuries, call 911 immediately. You can file an insurance claim later, but human lives are irreplaceable.

Gather Information at the Scene

Once you've ensured safety, gather as much information as possible at the accident scene. This includes:

• Exchange contact information with all parties involved, including names, addresses, and phone numbers.
• Document the other driver's insurance information.
• Take pictures of the accident scene, including damage to all vehicles, road conditions, and traffic signals.
• Get the names and contact information of any witnesses.
• Record the responding police officer's name and badge number.

This information will be invaluable when filing your insurance claim.

Notify Your Insurance Company

Contact your insurance company as soon as possible. Most insurance policies require you to report an accident within a specific timeframe, typically within 24 to 72 hours. Failure to do so may result in your claim being denied. When you call your insurance company, have all the information you gathered at the scene ready.

Be prepared to provide the following details to your insurer:

• Date, time, and location of the accident.
• A brief description of the accident.
• The names and contact information of the other parties involved.
• The police report number, if applicable.
• Understanding Your Coverage

Before moving forward with your claim, it is important to understand your insurance coverage. Different types of coverage can come into play when making an insurance claim after an auto accident, including:

• Liability Coverage: This covers damages you cause to others in an accident.
• Collision Coverage: This covers damage to your vehicle in a collision, regardless of who is at fault.
• Comprehensive Coverage: This covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, or weather-related incidents.
• Personal Injury Protection (PIP) or Medical Payments (MedPay): These cover medical expenses for you and your passengers after an accident, regardless of fault.
• Uninsured/Underinsured Motorist Coverage: This provides protection if the at-fault driver doesn't have insurance or doesn't have enough coverage to pay for your damages.

Knowing your coverage will help you understand what your insurance company will pay for, and what you might be responsible for.

Filing a Claim

After reporting the accident to your insurance company, they will guide you through the claims process. This often involves the following steps:

1. Claims Adjuster: Your insurance company will assign a claims adjuster to your case. This person will be responsible for assessing the damage, speaking with involved parties, and making a determination about your claim.
2. Estimate and Inspection: You may be required to get an estimate for vehicle repairs. Your insurance company may recommend a specific repair shop or give you the option to choose your own. The claims adjuster will review the estimate and negotiate with the repair shop.
3. Rental Car: If your vehicle is not drivable, or while it's being repaired, your insurance policy may cover the cost of a rental car. Check with your insurance company for details on rental car coverage.
4. Settlement Offer: Once the claims adjuster has gathered all the necessary information, they will provide a settlement offer. This offer will outline the amount the insurance company is willing to pay for your damages. You have the right to negotiate if you feel the offer is insufficient.
5. Finalizing the Claim: After accepting the settlement offer, your insurance company will issue payment for your damages. This may include repair costs, medical bills, and other expenses related to the accident.

Dealing with the Other Driver's Insurance

If the other driver was at fault, their insurance company will also be involved in the claims process. You should contact their insurance company to initiate a claim. Be prepared to provide the same information you shared with your insurer, including the police report, contact information, and accident details.

The other driver's insurance company will conduct its own investigation and may also request estimates for vehicle repairs. They will make a settlement offer to cover your damages. Remember that you have the right to negotiate and consult with your own insurance company if the other driver's insurance is uncooperative or if their offer is insufficient.

You also have the right to speak with a car accident lawyer before agreeing to any settlement amount. It is especially important to speak with a lawyer if you have injuries, as traditional insurance coverage may not adequately cover your medical expenses or related losses.

Working with a Spring Car Accident Lawyer

Opening an insurance claim after an auto accident can be a complex and time-consuming process. However, with the right information and proper guidance, you can navigate it successfully. Working with a Spring car accident lawyer at Wham & Rogers is a great way to ensure that your insurance claim proceeds in your best interests.

With the help of our skilled lawyers, you can work through the insurance claim process efficiently and maximize your chances of receiving fair compensation for your auto accident-related expenses. Learn more about how we can help with your insurance or personal injury claim with a free consultation. Call us at (832) 592-1108, or contact us via our website form.