Auto Claims Guide

If you are in an auto accident, there are four things to remember to do. Stop your car, see if anyone is hurt, assess the damage, and then get as much information as possible about the accident.

At the Scene Of An Accident It Is Recommended That You:

1. Find Out If Anyone is Injured

Call 911 let them know how many people were hurt and the extent of their injuries

2.Protect the Accident Scene

Take reasonable steps to protect your car from further damage by setting up flares, getting the car off the road and calling a tow truck if necessary.

3. Collect as Much Information as Possible

Take notes and use your cell phone to take pictures of any damage done to the vehicle.

4. Make Sure You Get the Following Information

•  Names, addresses and phone numbers of all drivers and passengers involved in the accident
• License plate numbers
•  Make and model of each car
• Driver’s license numbers and insurance information.
• Names, addresses and phone numbers of any witnesses.
• Names, badge numbers and contact information of police, highway patrol or other emergency personnel at the scene.

Remember to ask where you can obtain a copy of the Police Report; you will need it when filing a claim.
Make note of the date, time, location and other relevant information such as driving conditions.

Tips for Filing an Auto Insurance Claim

1. Get in touch with your insurance agent or insurance company as soon as possible, regardless of who is at fault.

2. Find out what forms or documents you will need to support your claim. Insurance sometimes requires a “proof of claim” form, and a police report if there is one.

3. Get the names and phone numbers of everyone you speak with throughout the insurance claims process and keep copies of any bills or documents you supply to your insurer.

4. Ask Your Agent or Insurance Company Representative the Following Questions:

1. Does my policy contain a time limit for filing claims and submitting bills?
2. Is there a time limit for resolving claims disputes?
3. If I need to submit additional information, what is the cutoff point?
4. Do I need to get repair estimates for the damages to my car?
5. Will my policy pay for a rental car while my car is being repaired?

Texas has laws governing the claims process and you have rights and obligations under those laws. Be sure and review this with your agent.