1. Contact Your Insurance Company:
- Promptly report the accident to your insurance company. They'll provide specific instructions on how to proceed with the claim.
2. Gather Information:
- Collect relevant details about the accident, such as the date, time, location, and circumstances of the incident.
- Take photos of both vehicles and any damage sustained.
- Obtain any witness contact details if available.
3. File an Accident Report:
- Contact the local authorities (e.g., police or traffic department) and file an accident report.
- Make sure to include all relevant details mentioned above and obtain a copy of the official accident report.
4. Submit a Claim:
- Contact your insurance company again to officially submit your claim.
- They will provide you with a claims form that needs to be filled out and submitted along with the required documents.
- These documents may include the completed claims form, a copy of the accident report, photos of the damage, and any repair estimates (if available).
5. Determine Coverage:
- Your insurance policy may have different coverage options for "owned vehicle" or "non-owned vehicle" scenarios.
- Depending on your policy and state regulations, it will be determined which vehicle is considered the "at-fault" party and if both vehicles are covered.
6. Adjuster Assessment:
- Your insurance company will assign an adjuster to investigate the claim and assess the damage to both vehicles.
- The adjuster may visit you to inspect the vehicles or request any additional information or documents required.
7. Repair or Total Loss:
- The insurance company will determine whether the vehicles can be repaired or if they are considered a total loss based on the cost of repairs and vehicle value.
8. Repairs:
- If repairs are deemed necessary, your insurance company will likely provide you with a list of approved repair shops.
- Once your claim is approved, the repairs can be completed, and the insurance company will reimburse you or directly pay the repair shop.
9. Settlement or Arbitration:
- In case of disputes about coverage, liability, or the claim's value, you may need to go through an arbitration process or work with an attorney to resolve the matter.
10. Impact on Policy and Premiums:
- Depending on the circumstances of the accident and whether you're deemed at fault, your insurance premiums might be affected in the future.
Remember, the process and specific requirements may vary depending on your insurance policy, state regulations, and your insurance company's procedures. It's important to follow the instructions provided by your insurance company and provide them with all the required documentation to ensure a smooth and successful claims process.
