How to Handle Auto Insurance After a Car Accident

After a car accident, the first thing to do is to check for injuries and call emergency services if needed. Alert the police so they can file a report. Once everyone is safe, it’s essential to document the scene. Take photos of the damage to all vehicles involved, the surrounding area and any relevant road signs or signals. This documentation will be crucial when filing your insurance claim.

Next, exchange information with the other driver. This includes names, contact details, driver’s license numbers and insurance information. If there are witnesses, collect their contact information as well. Having a detailed record of the accident will help support your claim.

Filing Your Insurance Claim

Contact your insurance company as soon as possible to report the accident. Provide them with all the information you’ve gathered, including photos and witness statements. Your insurance company will guide you through the next steps, including getting a damage assessment and arranging repairs.

During the claims process, stay in touch with your insurance adjuster. They will be your main point of contact and can answer any questions you have about the status of your claim. Keep all communication professional and provide any additional information they request promptly.

Understanding Your Coverage

It’s essential to understand the details of your auto insurance policy. Know your coverage types, such as liability, collision and comprehensive coverage. Each type of coverage addresses different aspects of an accident, from damage to your vehicle to medical expenses for injuries.

If your policy includes rental car coverage, your insurance company may provide a rental vehicle while your car is being repaired.

Talk to Your Agent

Your agent can help guide you through the claims process. The GVL Insurance Company team can help you understand your current auto insurance coverage and shop for appropriate coverage from reputable area insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.