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Auto Insurance Company Claims Processes

How well do you know your insurance company’s claims process?

If you’ve been in a car accident, one of the first things you’ll probably want to do — after posting about the wreck on social media — is contact your insurance company to get the car accident settlement process started. You’ll want to have a record of details about the accident, such as when, where and how the accident occurred, in order to start the process of opening a claim with your insurer. A claim is the process you must follow in order to be compensated for your financial damages resulting from the accident. For many motorists, dealing with an insurance company’s claims department can be just as stressful and worrisome as the accident itself.

At Lawsuit Info Center, we’re here to help! Use the Auto Insurance Company Claims Process section of our website to learn all about your insurer’s specific claims process and find out what you can expect while working on recovering damages that resulted from a car accident. As an alternative to filing a claim, you can also go through your auto insurance company’s arbitration process to resolve the issue.

Just choose your insurer from the list on the right and read the details of that company’s claims process.

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Frequently Asked Questions:

After a car accident, you may get a phone call from the insurance adjuster for the other driver. It is important to keep in mind a few things about any discussions you have with the other driver’s insurance company. If you make mistakes, it can damage your claim. 

First, be calm and polite with the adjuster. You might still be angry about what happened, but do not take your anger out on the insurance representative. Having the good will of the insurance adjuster can help to get your claim handled faster. It also may help the adjuster to believe your version of events that are hard to prove. 

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Second, know who you are talking to. Obtain the name, address, and phone number of the adjuster you are talking with, as well as the name of the insurance company they represent. 

Third, provide only limited personal information. All you need to tell them is your name, address and phone number. You can tell them where you work and what you do. But you do not need to talk about your work schedule or income. 

Fourth, provide NO details about the accident. What the adjuster wants is to get your statement of what happened in the accident. Or they will talk to you casually to try to get you to get talking about the accident. Refuse to talk about anything other than the bare facts of the case: When, where, type of accident, vehicles involved, and any witness information. 

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Say that you are continuing to investigate the accident and you will talk about the facts of the case later. You probably will send a personal injury demand letter to the insurance company where you describe what happened in detail. An attorney can help draft this for you. 

Fifth, do not talk about any injuries you have. You could leave things out, find out about another injury later, or your injury could take a turn for the worse. Just say that your injuries are still being treated and leave it at that. 

Sixth, take plenty of notes. Write down all the information that was discussed with the insurance adjuster and whatever information you provided. 

Seventh, do not let the adjuster push you into a fast settlement. Quick car accident lawsuit settlements serve the interest of the insurance company, but not you. You probably are entitled to more money than the insurance company is offering you in the initial offer. 

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Eighth, set limits on the conversation. Tell the adjuster you are not going to provide much information other than the basics. Also set limits on the company calling you; some adjusters will keep nagging you to get you to settle. Don’t allow that. 

Finally, do not allow the insurance adjuster to record your conversation. You are not legally obligated to have your conversation with the other driver’s insurance company recorded. 

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You should refuse because most of us tense up when they are being recorded. You may forget important things or you could say things that are incomplete or clumsy. A verbal statement will never be as precise as a written letter that you will send the company later. 

Tell the adjuster you will not be recorded and that when you have complete information, you will provide your statement in writing. 

If you become involved in a car accident, I’m sure there are a million things running through your mind. If you sustain any personal injury due to the accident, one thing you have to know is that there is a timeframe you have to file a claim by and that is called statute of limitations. Each state has different laws therefore, statute of limitations vary from state to state however, generally a car accident claim for a personal injury statute of limitations runs after two years. This means you need to file a personal injury claim before the two year mark after the accident occurs. Some people aren’t aware that there are statute of limitations to file property damage claims as well. As stated earlier, each state varies when it comes to statute of limitations but generally you have three years to file for property damage. This does not mean that you need to have this settlement resolved, it simply means you need to have the claim filed before the deadline. If you attempt to file a claim once the statute of limitations has run, the court will not accept your claim. Steps immediately following the accident should include, filing a police report, seeking medical attention and contacting a personal injury attorney so they can help you file a claim for the accident. Do not make the mistake of waiting. Even if you file a day late passed the statute of limitations, the court will still deny it. 

The first step you need to take after becoming involved in a motor vehicle accident is to file a claim with your insurance company. Call your insurance company to report the accident immediately, regardless if the accident was your fault or not. Once you make contact with your insurance company, you will be assigned an agent who will help you along with the process. Be sure to file a police report so they can have one to keep on record. The agent assigned to your claim will send you all the required documentation such as a Proof of Claim form along with any billing information. You may also need to attach the police report which is why it’s always a good idea to make one immediately following the accident. Don’t be afraid to ask your agent any questions you may have. If your car is completely totaled, you may have some questions like, how much money you can get for your vehicle. You might also have questions about renting a car while your vehicle is in the shop for repair. There will be some type of deadline to complete filing your claim as well as a deadline to submit any billing. 

Filing a car accident claim with an insurance company in order to receive compensation for personal injuries or property damage may sound like a headache but is actually not complicated when it comes to negotiating with the insurance adjuster as long as you are prepared. Unfortunately, insurance companies tend to begin the settlement with a low-ball figure so this is where the negotiating begins. You do not have to accept their first offer if you know your damages are worth more than the offer. You can ask the adjuster to explain in a letter exactly why they came up with this offer and respond with a counter offer with an amount you believe you claim is worth. Be sure to know what your insurance policy covers and get an estimate on damages to your vehicle. If negotiating with the adjuster is going around in circles with no end in sight, it would be wise to hire an attorney so they may handle the rest of the negotiating for you.

Just like claiming personal injuries after a car accident, there is a time limit to file a claim with the insurance company. Each timeframe is different depending on each states laws as well as the insurance providers. However, there is a general timeframe for filing claims for personal injures and property damage. Personal injuries need to typically be filing within a two-year timeframe and usually need proof of medical treatment. And property damage needs to be filed within a three-year timeframe. If you do not file these claims within these timeframes this means the statute of limitations has expired and you can no longer receive compensation for these issues. This does not mean your claim needs to be settled within the statute to limitations however, it must be filed within the timeframe in order to file a claim.

After the accident, be sure to collect all the necessary information including driver’s licenses, insurance information, pictures of the accident and eyewitness statements. Once you have exchanged insurance information with the other party involved, you need to report the accident to your insurance company regardless of whether it was your fault or not. They will ask a series of questions and a play by play of how the accident happened. It is important to provide them with the other party’s insurance information along with the rest of the information gathered from the accident.

In the unfortunate event you become involved in a car accident, there is typically one party involved that is found to be at fault. So, what happens next if you are not the at fault party? Following an accident, you must always check for injuries, report the accident to the police and insurance companies, get examined by a medical professional to check for injuries and contact motor vehicle accident attorney. By reporting the accident immediately after it happens, the police can document everything exactly how it happened and determine who was at fault. If you were not found to be at fault, the party that was determined at fault is responsible for the damages. In some occasions the insurance company for the faulted party will deny coverage and that is when it’s crucial to contact an attorney so you may sue the other drivers insurance company.

Driving on the road can be scary. You never know how experienced other drivers around you are. If you drive, odds are that you will become involved in an accident at some point in your life. After the collision things may seem tense and stressful, but it is your job to follow the steps necessary to file a claim with your insurance company so you may be compensated for the damages caused by the accident. If you are injured or have property damage to your vehicle, it would be wise to file an insurance claim immediately. After all the stress of an accident, things may seem complicated and confusing when it comes to the insurance claim process. If you decide to hire an attorney who concentrates in accident claims, they may help speed up the process and will help file the claim for you.

A claim investigator is like a mini detective looking to either prove the claim to be fraudulent or provide proof that the claim is valid. In order for the investigator to conduct a proficient investigation, they must be thorough and ask a serious of questions to collect the necessary evidence. When investigating a possible fraudulent matter, it is typical for the investigator to ask questions and gather personal information such as:

  • Who was involved?
  • What happened?
  • Where did it happen?
  • Why did the accident occur?
  • Is that all you can recall?
  • Would you be able to include any other details?
  • Criminal history
  • Financial records and bank statements
  • Telephone records

Simple questions like “who, what, where, when and how” are generally asked to begin the interview along with some follow up questions. Follow up questions can either be straightforward asking about any details that may have been left out, or if the investigator senses fraud, the investigator may request bank statements.

If you have ever been in an accident and filed a claim with your insurance company, you may have heard of an insurance claims investigator. A claims insurance agent or investigator may either work with your insurance company or may be hired as an independent consultant. Basically, the insurance claims investigator will investigate and analyze facts of a claim to decide whether the case is substantial or not. The purpose of an insurance investigator is to rule out any claim that may be fraudulent or provide evidence that the claim is credible. Insurance claims investigators must be proficient in interview/communication skills. They must also be capable to think outside the box due to scammers attempting to swindle insurance companies and provide fraudulent claims. Steps the insurance investigator will take during this process include:

  • Locating the claimant who will participate in the insurance claim to gather information regarding the accident. Oftentimes, the claimant will file a claim and become difficult to track down.
  • Interview process, which will include interviewing the claimant as well as witnesses.
  • Gathering more evidence including photographs, collecting items, measuring items relevant to the investigation.

After you’ve been involved in an accident, it can be a stressful situation. Not only are you dealing with a damaged vehicle, but it’s possible you’ve sustained injuries as well. It is important to file a car insurance claim immediately to ensure you are provided with compensation for the damages. The thought of waiting for insurance companies to complete your claim may seem like a headache but the reality is most organizations have a target date within 30 days to pay your claim. Although most claims can be settled within those 30 days, some States have laws that require insurance companies to complete the process in a certain length of time, which may be shorter or longer than 30 days.

  • California insurance companies must take action within 15 days and accept or deny the claim within 40 days after collecting proof. Once the claim is accepted, payment from the insurance company must be made within 30 days.
  • New Jersey insurance companies must pay their insured party within 60 days of receiving proof.
  • Texas insurance companies must pay their insured party within 15 days after receiving proof however; they have the option to file an extension of up to 45 days.

At the scene of the accident, it is always a good idea to call your insurance provider however; there are some instances where it is not necessary to file a car accident claim.

  • Single car accident- A single car accident always means that you are determined to be the at-fault party. There was no one else involved therefore you are solely responsible. If you do not have collision coverage your insurance policy is not responsible for the damages.
  • Costs of repair are low– If you can afford the costs of repair it might be a better option in comparison to deductible costs.
  • No damage- Often times, small fender benders result in little to no damage to either car. It would be wise to exchange information just to be careful however, not necessary to file an auto accident claim.

Each State has it’s own rules and regulations regarding Statute of Limitations, meaning each State’s law determines how long the claimant has to file. Typically there is a 2 or 3-year time limit to file a claim. Property damage and personal injury Statute of Limitations also vary in length of time. Property damage commonly has about the same or slightly longer time frame than a personal injury to file a claim. It’s never a good idea to wait too long although, in some cases such as personal injury claims the victim may not experience injuries until months later. Some side effects may not even develop until after the time limit has passed. It’s highly recommended that you contact your insurance company shortly after the occurrence in order to file a claim to be certain no time limit will restrict you from possible compensation.

Auto accidents are devastating and can cause an overwhelming amount of stress regardless if you are the at-fault party or not. Being the at-fault driver of a collision can truly add to the worry of the circumstance. Aside from dealing with personal property damage and injuries, additionally the at-fault driver is responsible for the other party’s damages as well. So how does car insurance work if you are at-fault?

  • Insurance rates go up– If you are found at-fault or cited for the accident, your insurance policy will likely raise in cost.
  • Damage liability– If you have purchased a collision coverage, your insurance provider will cover the cost of damages to your vehicle however, in collision coverage does not cover damages to the vehicle of the other party involved. Your liability insurance portion of the policy is what covers the other party’s property damages.
  • Accident forgiveness– If you have accident forgiveness as part of your policy, this will allow your insurance rates to stay the same and avoid an increase regardless if you at the at-fault driver.

Car accidents can leave you frazzled and confused. In the midst of all the chaos, one thing you should never forget to do is contact your insurance company immediately. You’re already paying for car insurance, why not put it to use in the unfortunate event of an accident. Negotiating with insurance agents and filing claims can be just as exasperating as the collision. Stay calm and patient. The process may go quicker than you think especially if you have collected evidence and followed the proper steps following the accident. Here are some necessary steps to follow after being involved in a collision:

  1. Contact the police– your insurance company will likely ask you to provide a police report.
  2. Contact your insurance company– contact your insurer to report the mishap at the earliest opportunity. They will ask you a series of questions regarding who was driving the car, who was injured, location and time of the collision, essential descriptions of the collision, which car on the policy was involved etc.
  3. Gather vital information regarding the accident– once you’ve contacted your insurance company, they will assign an adjustor to your case. The adjustor will conduct an investigation. Be proactive and provide your adjustor with photos from the scene, contact info from other parties involved, inspection evidence from both cars for damage and witness information.
  4. Contact your medical insurance if injuries are present– claims can be influenced due to the severity of any injuries.
  5. Follow up with your insurance adjustor – Make sure the story you’ve told the adjustor and the story they have on file match up. This is important because the adjustor will determine who the at-fault party is with the given facts.

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