Auto insurance is one of the most used types of personal insurance. Drivers need auto policies to comply with state law, satisfy lenders, and protect assets. Most drivers will eventually need to file a claim for one reason or another.
Remember, safety is the priority after a car collision. Call 911 if someone is injured. If your car is drivable, move it out of traffic if you can do so safely.
What should I do after an accident or when I discover I have to file a claim for something other than an accident (i.e. vandalism or theft)?
You should:
- Dial 9-1-1 . Give the operator detailed information about the incident, including if you or others involved need medical assistance or towing assistance.
- If possible, take pictures or draw a diagram of the scene . If your camera has a date and time stamp, that would be useful.
- Remove your vehicle from the roadway and off to the side, if possible, so as not to block the flow of traffic.
- Talk to witnesses. Obtain names, addresses and phone numbers of those who witnessed the incident/accident.
- Cooperate with the police. Provide all information that is requested of you. Be sure to write down your incident/accident number and the officer’s name and badge number (Note: In some counties and Baltimore City, police may not write reports of accidents that do not involve bodily injuries or excessive damage.)
- Take notes. Write down the location and time of the accident/incident and any other details (e .g . summary of what happened). Exchange information with others involved in the accident; including the names, addresses and telephone numbers of the drivers and passengers; the names, addresses and telephone number of any witnesses; as well as any insurance information for any of the other vehicles involved (the name of the insurance producer, insurer and the insurance policy number.) Write down the make, model and license plate of the other vehicles involved.
- Contact your insurer or insurance producer as soon as possible. Promptly report any accident and provide all information that is requested. Keep records of all paperwork related to your claim (e.g. copy of accident report, notes from accident scene, expenses, etc.)
How to file a claim
To file a claim, call the phone number on your proof-of-insurance card as soon as possible. Many insurers also allow consumers to file claims on smart phone apps.
The insurance company will assign a claims adjuster to assess the damage and determine the payment. These adjusters may be employees of the company or independent contractors. You should cooperate with the adjuster’s investigation of your claim. The adjuster may want to meet with you to inspect the damage. Take notes and keep track of the dates of any conversations you have with your agent or adjuster.
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