How Car Insurance Accident Claims Work

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Two men checking documents on a accident
Wham! Bam! Now what?
Auto insurance is a necessity that most of us don't think about very often. But when you have a vehicle stolen, or you're involved in a car accident, your auto insurance suddenly becomes very important. That's why it's best to understand how car insurance accident claims work.
Car accidents really shake people up and it is hard to focus on what you have to do. First, check to make sure that you are physically okay. Make sure others in the car are not injured. Then step out of the vehicle and check to see if persons who were involved in the accident are not injured. If the accident is serious, call the police and report the accident. Next, take out your smartphone and take photos of the accident scene. It is important to document what happened and keep good records of the accident.

Helpful Steps

  • Take pictures of any damage to your car as well as the vehicles involved in the accident. 
  • Be sure to take a photo of the other car's license plate. Taking images of the accident will help police and your insurance company determine how the accident happened and who is at fault. 
  • Find out if anyone saw the accident and take notes on what they witnessed. 
  • Exchange insurance information with the driver of the other vehicle. 
  • Besides taking photos, keep a notebook or pad and a pen in your car to write down all the details of the accident.
  • Write down the date and time the accident happened as well as exactly where it took place. 
  • Write down the year, make and model of the other driver's car, its license plate number, and its registration information. 
  • Write down the other driver's name, address, phone number and email. 
  • Write down the other driver's insurance information and take a photo of the insurer's insurance card as well. 
If police are at the scene, write down their names and badge numbers and note if medical emergency personnel are on the scene. If the claim you file is straight forward, you won't really need any of this, but it is always better to be prepared to help your insurance company with all the details for your insurance claim. 
Auto Insurance Claim FAQ
The following are the most asked questions regarding car insurance claims.
Let Lithia Help
Lithia Motors has a network of quality body shops across the country that can repair your car and get you back on the road quickly and efficiently. Best of all, your car will look like it just rolled off the showroom floor. You'll find the closest Lithia Body Shop here.
In the event that your vehicle has been "totaled" as a write off by your insurance company, take the pay out amount and visit your local Lithia Auto dealer to buy a new or quality used car. No matter what your personal transportation needs, Lithia is here for you. Find your nearest Lithia dealership here.