2. Give details.
Provide as much information about the crash as possible—things like where and when it happened; photos; names of other drivers, witnesses and responding police officers; license numbers for all the vehicles; and the other driver’s insurance company (in the event they are at fault).
3. Protect the car from further damage.
If there are broken windows, for example, you’ll need to keep rain from getting in, because any damage that happens after you make the report may not be covered.
During the claim process
1. Work with the adjuster.
A claim adjuster from your insurance company will contact you to review your coverage and the deductibles that apply. They’ll also talk with the other people involved in the collision and work with their insurance companies.
2. Review rental options.
If your car is not drivable, and you have coverage for a rental, the claim adjuster can help you make arrangements and tell you how long you’re allowed to keep the rental car.
3. Schedule repairs.
An appraiser will assess the damage to your car and can help set up repairs, but the choice of where to get those repairs made is always up to you.
4. Get updates.
A lot of the settlement process happens without your direct involvement, so there may be times when you don’t know what’s being done. If you have questions, ask your claim adjuster for information.
5. Make sure you’re satisfied.
If you aren’t happy with any part of the claim process—you can’t reach a settlement agreement with your adjuster, for example—ask to talk to a manager.
Had a crash and have insurance through AAA?
Filing an insurance claim online with AAA is fast and easy. It takes just a few steps. If you haven’t already, go to AAA.com/Mobile to download and install the AAA Mobile app. In the app, register your insurance policies: auto, home, etc.