Man filling out information after being in a car accident

Car Accident Insurance Claims Process

Updated January 1, 1 . AmFam Team

How does car insurance work after an accident? Learn more about the insurance claim process and what to do after an accident from American Family.

If you were to get into an accident while on the road, would you know the proper steps to take to make a claim? If not, we’ve highlighted some key information to help you get confident about the claims process — so you know exactly what to do after an auto accident.

What to Do Right After an Accident

If you get into a car accident, first, if possible, move your vehicle to a safe location out of traffic — and make sure you don’t leave the scene! If you can’t move it, that’s okay. Turn off your engine and get out of the vehicle if you can. Then check if anyone is hurt and call 911 if they need medical assistance. Even if no one is seriously injured, you should call the police and report the accident.

Next, gather the correct information and details about the accident, so when it comes time to file a claim and work with insurance companies you have everything written down and pictures you can use as evidence.

Keep these tips in mind:

  • Don’t accept or place blame on the other driver. You’ll figure all that out later with your insurance company.
  • Take photos of the scene, including the other driver(s) involved, license plates, any damages done to their vehicle and yours, the direction each vehicle was traveling and traffic signs. These are all important details you’ll want to have on hand when dealing with insurance and filing a claim.
  • This one is extra important: Exchange information. You’ll want to share your name and insurance company with the other driver, and get the other driver’s insurance and contact information as well.

Capture as many details as you can by taking notes on your phone. Gather the following information:

  • Year, make, model, color of the other car
  • Driver and passenger names and ages
  • Exact location of the accident
  • The speed you were driving
  • Date and time of the accident
  • Weather conditions
  • Time the police arrive, as well as their name and badge number
  • Road conditions
  • Witnesses (get their names and contact information)

Find out more about what to do after a car accident — so in the event of the unexpected, you know how to confidently handle the situation.

Do I Need to Call the Police After a Car Accident?

Absolutely. You’ll want to notify the police right away — not only in case someone is injured, but the police report will be one of the main factors that insurance investigators use when assessing your claim.

Whose Insurance Do I Call After an Accident?

Usually, in simple rear-end or clear liability accidents where the at-fault driver accepts responsibility, you probably don’t need to call your insurance company — unless you were at-fault. In that case, the sooner you call, the sooner your insurance provider can help you get things back to normal.

Some states are considered “no-fault” states, which means if there is an accident, it’ll be your insurance that covers you up to a specified limit for personal injury, car damage and related claims, such as lost wages, regardless of who was at fault for the accident. Likewise, the other driver, even if you were at fault, will be responsible for their damages and injuries.

Insurance compensation for car accidents can vary depending on where you live. Do you live in a no-fault state? Check your policy for the specifics to better understand how you’re covered.

What If the Other Driver in the Accident Doesn’t Have Insurance?

Typically, if you get into a car accident, the at-fault driver’s insurance pays for the damages and injuries. But what if they are uninsured? That makes things a little more complicated, but here’s what you should know.

Almost every state legally requires you to have minimum amounts of specific car insurance coverages — so driving without car insurance for any period of time is considered illegal. But that doesn’t mean people don’t do it. That’s why uninsured and underinsured motorist coverage is so important. If you get hit by a driver with no insurance or not enough liability coverage, your uninsured or underinsured insurance will kick in and help cover your medical expenses.

You do have the option to press charges against the driver and take them to small claims court. However, it might cost you more time and money to take them to court, so while it may not be ideal that your insurance company has to cover the liability costs for an accident you didn’t cause (your collision coverage would cover damages to the car), that’s what uninsured and underinsured motorist coverage is for — it’s a safety net for unfortunate instances like these.

Also, consider the consequences if you don’t have car insurance in a state that requires it:

  • If you’re at fault, not only will you be paying out of pocket for any medical expenses or damages to your vehicle, but you’ll be responsible for paying for the other driver’s injuries and damages as well.
  • You could be sued by the other party for damage and injuries you caused them.
  • You could be issued a ticket, face jail time and potentially lose your license and registration.
  • You may have trouble finding affordable car insurance rates if you eventually do shop for a policy.

What Do I Need to File a Claim After an Accident?

According to dmv.org (Opens in a new tab), you’ll need to submit the following information to your car insurance company when filing a claim:

  • Policy number, which can be found on your insurance card
  • Date, time and location of the accident
  • Detailed description of how the accident occurred
  • Insurance and contact info of the other party involved
  • Name of the police department involved and the police report number

This is when you’ll use all that information you gathered right after the accident and why it’s so important to write down as many details as you can.

Until fault is determined, your insurance company will cover the cost for repairs and injuries — as long as you have the appropriate coverage, like collision or medical expense coverage. Make sure you keep the following in mind when getting repairs:

  • You may have to take your car to one of your car insurance company’s approved body shops for repairs, but you can get an estimate at any body shop. Check with your agent before committing your car to any shop so you know your insurance company will reimburse you.
  • Your adjustor (the person in charge of investigating your claim) may have you compare different quotes at several shops of your choice.
  • If you choose your own repair shop, you might have to pay the difference between the shop’s estimate and what your insurer decides is a fair price.

If your claim includes medical expenses from injuries that you or your passengers sustained in the accident, you’ll need to keep the medical receipts and deliver copies of them to your claims adjuster for evidence and reimbursement.

How Do I File an Insurance Claim After an Accident?

Collisions can be stressful, and it can be difficult to know what to do or how to file a claim after a car accident. Usually, the process is pretty clear-cut:

To file a claim, just give a call to your insurance company. They’ll typically walk you through the process and ask you for all the aforementioned information. Once your claim is filed, a claim representative will contact you to go over your claim and the process to follow. They’ll review your claim and work with you to accurately evaluate your claim. Finally, they’ll assess your claim and try to complete it as quickly as possible.

If you want to learn more about how to file a claim after an accident with American Family Insurance, head to our claims overview page.

What If I Want to Make a Claim but Don’t Have a Police Report?

You can still file a claim even if you don’t have a police report. It’ll just take a little more work and it may take longer to process.

Any of the following information will be helpful when filing a claim without a police report:

  • Photographs of the accident scene and damage to the vehicle
  • Statements of the parties involved
  • Eyewitness statements
  • The weather and road conditions at the location of the accident

How Long Do I Have to File a Claim?

You’ll want to get the claims process rolling as soon as possible, so filing a claim should be done promptly. Usually, the state statute of limitations is only two to three years, but some insurance companies may only pay the costs of repairs for the year in which the accident occurred. Putting it off isn’t in your best interest since the longer you wait, the harder it may be to track down other people involved in the accident for interviews or other research related to the claim that’ll help your case.

Our advice? File the claim right away or at least contact your insurance agent as soon as you can after the accident.

How Does a Car Insurance Claim Work After an Accident?

Once your claim is filed, your company will assign a claims adjuster to investigate your case. The adjustor may do a number of things:

  • Review the police report.
  • Interview other parties involved and witnesses at the scene.
  • Visit the scene of the accident.
  • Inspect your car for damages and take photos of your car.
  • Probably ask you to sign a medical release form so they can look at your records.
  • Contact any medical providers to gather information in regard to your injury expenses.
  • Review medical records, bills and proof of wage loss.
  • In some cases, they may also look into your social media accounts to corroborate any of the details you provided.
  • Of course, they’ll interview you for your side of the story.
  • The adjuster will also determine who is at fault for the accident, and they’ll work with the other party’s insurance company to see how much they’ll pay out.

How Do I Know If I’m Covered by an Accident?

Want to make sure you’re properly covered if you get into an accident? Connect with an American Family Insurance agent (Opens in a new tab) to check on your car coverages — understanding how your car insurance covers you can give you peace of mind that you’re protected when you hit the road.

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    Rocks and gravel, damage from weather and even temperature changes are all common causes of a cracked, broken or chipped windshield. It might surprise you that repairing a cracked windshield is actually a pretty simple fix — as long as you take care of it right away. Because what may seem like a small, insignificant crack at first could turn into a bigger, more expensive problem if left unrepaired.

    We know the question you want answers to: Will my insurance cover windshield repair and replacement? The short answer is yes, with some minor stipulations. We’ve highlighted some key information about windshield repair and replacement to help you understand how your insurance helps cover these small but impactful damages.

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    Do I need a repair or a replacement?

    Did you know that a small chip or crack reduces the strength of a windshield by up to 70%?* And eventually those small cracks spread into larger cracks that just might require a full replacement (which means more money out of your pocket). Getting your chip or crack repaired right away helps preserve the structural integrity of the windshield, which is a critical safety feature of your vehicle, and almost always prevents damage from spreading into a more costly replacement.

    To determine if your windshield needs a simple repair or a full-on replacement, you’ll need to identify what kind of damage exists. For example, if you have a small break, like a half-moon, bullseye, star or combination, you’ll typically be able to get a quick repair — which usually only takes about 30 minutes to fix.

    Here’s a list of common types of cracks:

    Chip or ding. Usually, small chips or dings are caused by a rock or other hard object hitting the windshield and taking out a small chunk of glass. Though small and usually not impeding your line of sight, a chip or ding could eventually spread and require a full windshield replacement. So, take the time to get it repaired right away!

    Bullseye. A bullseye crack looks just like its name — and it’s usually one of the most common types of windshield damage. The good news is it’s one of the most repairable kinds of cracks.

    Stress crack. A stress crack occurs when your windshield is exposed to extreme variations in temperature in a short amount of time. For instance things like extreme or swift temperature changes like cranking up the A/C or heat can cause a chip to expand into a larger crack, or if you put hot water on your ice-covered windshield, a stress crack may form.

    Edge and floater crack. An edge crack is formed near the edge of your windshield, whereas a floater crack is near the center of the windshield. These kinds of cracks usually cover a large area of your windshield and will need a full replacement. Over time, all the bumps and other impacts that occur during driving can cause the edge or floater crack to worsen.

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    Does my insurance cover windshield replacement or repair?

    Insurance coverage for windshield replacement or repair depends on what type of coverage you have and the extent of the damage.

    If your windshield is damaged in a car accident, your collision insurance would cover repairs or replacement, but you’ll be required to pay a deductible, which is the amount you pay before your insurance company steps in.

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    No Deductible Windshield Replacement

    Do you have comprehensive insurance? At American Family Insurance, if your windshield is repaired instead of replaced for a covered comprehensive loss, the deductible is usually waived. Keep in mind that if the windshield needs to be replaced, you’ll still be covered, but a deductible may be applied.

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    How to File a Claim to Replace or Repair Your Windshield

    American Family Insurance offers a glass repair program with our trusted partner, Safelite. With them, we’ll work quickly to get your windshield repaired or replaced so you can get back to more important things.

    Make sure you file a claim before you take your vehicle in for repairs because your agent can help you determine how you’re covered. Remember, a repair usually won’t cost you anything, but a replacement will often require a deductible.

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    File Your Windshield Claim with the MyAmFam App

    File, track, and monitor the status of your claim from your phone with the MyAmFam app.

    Get in touch with our Glass Claims Department at 1-800-MYAMFAM (1-800-692-6326) or conveniently submit a claim online to Safelite.

    Have the following information on hand when submitting your claim to make sure the process goes as quickly and smoothly as possible:

    • Policy number
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    Does a windshield claim increase insurance?

    If you file a windshield claim, your insurance company typically won’t apply a surcharge, which is the rise in your insurance premium. However, if you do frequently file auto repair claims, your company could consider you a high-risk driver, which would cause a hike in your premium.

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    At American Family Insurance, we want to make sure you’re confident and know all the ways you’re covered. Your agent is always happy to answer any questions you have about how you’re protected — in the meantime, check out more about our claims process so you know just what to do to keep moving forward when dealing with the unexpected.

    * Source: Belron® Technical, the world's leading vehicle glass research & development organization.

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    Personal Offense Coverage for Homeowners

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    What is a personal injury endorsement?*

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    Do you need to add a personal injury endorsement to your home insurance policy?

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    What doesn’t personal offense insurance cover?*

    Though personal offense coverage can help you in instances where you’re in trouble for libel or slander, it doesn’t mean you should go ahead and say or write defamatory statements. Just as your other home insurance coverages have limitations, a personal injury endorsement also has exclusions and limitations on what it’ll cover. For instance, if you knew what you were doing was wrong or what you did was illegal, you likely wouldn’t be covered.

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    What does personal offense insurance cost?

    Adding a personal injury endorsement to your homeowners insurance policy is rather affordable — typically adding only a few dollars a year to your premium. Personal offense coverage is an inexpensive option that’ll pay off if you or a family member face a lawsuit.

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    What Personal Liability Insurance Doesn’t Cover

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    Home Insurance Liability Coverage Amounts*

    Like any coverage, your personal liability coverage offers protection up to your policy limit, which is the capped amount your insurance company pays in the event of a claim. You’ll choose your coverage limit when creating your policy, and any expense that extends beyond your limit will come out of your pocket. The good news is you can increase your coverage.

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    Remember, costs can vary depending on the amount of coverage you’re looking for. That’s why your best bet is to connect with your American Family agent to discuss policy amounts and limits — they’ll help customize your policy to ensure you have the right limits for your unique needs.

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    Why Did My Homeowners Insurance Go Up?

    A lot of thought went into the purchase of your home. Its amenities, location, and overall design played an important role when you made the decision to place an offer on the house. Many of those same traits and features are referenced when an insurance company puts together a homeowners quote. And there are other key factors that they use to determine the cost of your premium.

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