Auto Insurance Claims: Top 10 Items You Need When You Make A Claim

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1. Who did I have an accident with? Be sure to get complete information from the other party(ies) involved. This means copying down their address, driver’s license #, date of birth, and ask for their phone number.  In addition, obtain their insurance information including, the company, policy #, agent if there is one, the policy begin and expiration date and their phone #. You need to make sure that you have as much info as possible to give your insurance company; this will help get your claim resolved as fast as possible.

2. Were there any witnesses? Was there anyone who saw the accident happen? You want to make sure that you get information from anyone who saw the accident. This will assist the insurance companies to determine who is liable for the accident.

Filing an Auto Insurance Claim: When Do You Need a Police Report?

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Certain accidents absolutely need a response from local law enforcement – local Police, Highway Patrol, Sheriff or other entity. Which department responds will be based on the jurisdiction in which the accident happened.  But do you always need a police report?

In several instances, it is necessary.  These would include, but are not necessarily limited to, the following:

• Any accident in which someone is injured
• Any accident where one or more drivers flee the scene
• An accident where there is serious damage to either or both vehicles