Contact your insurance company as soon as possible after the incident. You will need to provide details about the accident, such as the date, time, and location, as well as the names and contact information of any other drivers or witnesses involved.
File a police report if the accident involves injuries, death, or significant property damage. Your insurance company may require a copy of the police report as part of the claims process.
Provide documentation to support your claim. This may include photographs of the damage to your vehicle, repair estimates, and any medical bills or lost wages resulting from the accident.
Your insurance company will then review your claim and determine if it is covered under your policy. They may also contact the other driver’s insurance company if they were at fault.
If your claim is approved, your insurance company will pay for the covered damages, either by cutting a check to you or by directly paying the repair shop or medical facility.
Once the repairs are done, or the medical treatment is done, you will need to submit the final invoices and receipts to the insurance company, they will make the final payment.
Keep in mind that the process can vary depending on the insurance company, the type of claim and the state you live in. It’s always good to check with your insurance provider for their specific process.