Complete Guide to Protecting Yourself and Your Wallet
Every accident often comes with its headaches. Are you injured? Please prioritize your health by seeking medical attention promptly. After that, the next important thing is to fill out an insurance claim - because it doesn't make sense to suffer the ordeal of an accident and still bear the financial brunt when it's avoidable.
But the insurance claim process can be a load of stress, confusion, and fine print that works against you.
This guide is carefully curated to help you successfully fill your claim and protect yourself and your wallet.
What to Do Immediately After an Accident
Accidents can be super disturbing and even confusing on the spot. But you're alive; take a deep breath, and focus on doing what's necessary.
When Should You File an Insurance Claim?
Not every accident means "filing an insurance claim." Here are some of the significant pointers for filing an insurance claim:
Severe Damage
When the accident involves severe damage to your vehicle or property.
Injuries Sustained
When drivers or passengers sustain injuries that require medical attention.
Unclear Fault
When the driver at fault is unclear in a "fault state."
Uninsured Driver
When the other driver is uninsured, it is significant to avoid devastating financial losses.
Vehicle Not Drivable
When your vehicle isn't drivable and requires towing or immediate repair.
Don't delay filing an insurance claim because it can be denied.
Note: For every successful insurance claim filed with your insurer, your premium package will be affected, and your deductible might go higher.
Know the Types of Insurance Claims
If you're filing an insurance claim, you need to know what type of occasion it requires. Basically, there are two types of insurance claims:
First-Party Claim
The first-party claim insurance is concerned with your insurer - the claim you file with your insurance company.
Third-Party Claim
While the third-party claim is the one you file with the at-fault driver's insurer.
Common Insurance Claim Mistakes to Avoid
Don't Apologize at the Scene
Don't apologize or say anything apologetic at the scene. Studies show that apologizing to the other driver after an accident can be misinterpreted as an admission of fault even when it's not true.
Don't Delay Medical Attention
Delaying Medical Attention. Instinctively, the second you figure you or your passenger is injured, quickly seek medical attention.
Don't Accept Quick Settlements
Accepting a quick settlement on the spot. It is a blind decision to accept a settlement at the spot of the accident because you can't tell the extent of damage yet.
Don't Choose Untrusted Shops
Choosing a shop you don't trust. If the at-fault party's insurer or your insurer recommends a preferred shop you don't trust, don't take the offer. You have the right to use the shop of your choice.
Frequently Asked Questions
1. How long do I have to file an insurance claim after an accident?
In most U.S. states, you should notify your insurance company as soon as possible, often within 24–72 hours. While exact deadlines vary by insurer and state law, delays can lead to claim denial or reduced coverage. When in doubt, file early - insurance companies love paperwork, but they hate procrastination.
2. Will filing an insurance claim increase my premium?
Not always - but it can. Premium increases depend on fault, claim history, and state regulations. Minor, not-at-fault claims may have little to no impact, while at-fault or frequent claims can raise your rates. Think of it as a driving report card: one small slip may pass, repeated ones won't.
3. Can I choose my own repair shop after an accident?
Absolutely. U.S. law allows you to choose any auto body shop you trust, even if your insurer recommends a "preferred" one. Insurance suggestions are just that - suggestions. Your car, your choice, your peace of mind.
Navigate Your Claim with Confidence
Filing an insurance claim can be super stressful and challenging without the required knowledge. But with practical knowledge, you can protect yourself while filing a hitch-free insurance claim.
Need help choosing a trusted repair shop for your claim? We work with all insurance companies and advocate for your best interests.
Get Your Free Repair Estimate
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