How to File an Insurance Claim After a Car Accident?
3 Answers
After an accident occurs, it is necessary to immediately call the police. Traffic police will arrive at the scene and issue a liability determination document. The at-fault party should call their own insurance company to report the claim, recording details such as the license plate number, driver's name, time of the accident, and location. After confirmation by the insurance company's surveyor via phone, they will arrive at the scene for an on-site inspection and take photographs. Then, submit the relevant documents for the claim. Submit the claim to the insurer for processing. After review by the claim handler, compensation will be provided.
After a car accident, my first reaction is to stop the car, turn off the engine, and turn on the hazard lights to ensure safety. If anyone is injured, call emergency services. Then, report the accident to the police so they can handle the responsibility determination—this step is crucial. While waiting for the police, take photos of the scene, including vehicle damage, license plates, and road marks, and exchange insurance information and contact details with the other party. Once the accident report is completed, immediately contact your insurance company via phone or app to file a claim and describe the situation. They will guide you online to fill in accident details and may require photo uploads. An assessor will later arrange an inspection of the vehicle damage. I usually choose repair shops recommended by the insurance company for efficiency and to avoid out-of-pocket expenses. Stay calm throughout the process, handle it promptly to avoid delays. With 20 years of driving experience and a few accidents, my advice is to keep insurance up to date and carry the policy for smoother emergency handling.
After a collision, I first stop safely, turn on the hazard lights, check if everyone is okay, and then call the police. When the police arrive, they document the scene and take photos of the evidence—don’t miss any details. Immediately contact the insurance company and submit a claim via their app, describing the accident time and location. Customer service usually responds quickly to arrange a tow truck or inspection. For repairs, I use their partner shops to avoid out-of-pocket expenses. Keep all receipts and communication records for smooth settlement. As a beginner, I messed up by tampering with the scene—now I’ve learned to act quickly and handle everything online. Installing a dashcam adds peace of mind; even if insurance doesn’t cover it, the evidence can help resolve disputes. Don’t delay handling accidents to avoid extra costs—prioritize safety, savings, and peace of mind.
