How to Submit a Claim
Step by Step Instructions

Submitting an auto insurance claim with an independent insurance agency is a relatively straightforward process. Here are step-by-step instructions to help you through the process:

1. CONTACT AUTHORITIES

If it's a car accident, contact the police to file a report. Having an official report can be crucial in the claims process.

Pro tip: If the loss occurs on private property, tell the police the nearest street address, not the private property you are on or they won't come.

2. Assess the situation

Before you submit a claim, make sure you've assessed the situation. Determine the extent of damage to your vehicle and any injuries to yourself or others involved in the accident.

For us, this would be to get an estimate. Know the total amount vs. what your deductible is to know if submitting the claim is a good choice or not.

3. Contact your insurance agency

Reach out to your independent insurance agency as soon as possible. You should have your policy number and any other relevant information readily available. You can contact them through their customer service hotline, website, or by visiting their local office.

​The insurance agent will ask for specific details about the incident, such as:

• Date, time, and location of the accident.
• Names, contact information, and insurance details of all parties involved.
• A description of the accident and how it happened.
• Photos or videos of the accident scene, if possible.
• Any police report or incident number (if applicable).

4. File the claim

Your insurance agent will guide you through the process of filing a claim. You might be able to do this over the phone or online. Be sure to provide accurate and detailed information.

The adjuster should reach out to you, introduce themselves and provide you with the next steps within 24 to 48 hours. 

Let us know if ANYTHING is not going as you would like it to; we as the agency follow along in the background but don't always get to see when there is an issue (we keep our nose out of the communication so that you don't have too many people in your ear).

5. Cooperate with the investigation

Your insurance company may conduct an investigation to assess the validity of your claim. Be prepared to provide any necessary documentation, such as medical records, repair estimates, and additional information as requested.

6. Determine fault

The insurance company will investigate the incident to determine fault. This may involve contacting other parties involved in the accident or reviewing the police report.

​THIS IS WHY THE POLICE REPORT IS SO IMPORTANT

7. Get repairs / medical treatment

Once the claim is approved, you can proceed with necessary repairs to your vehicle or seek medical treatment if applicable. Be sure to choose from the list of approved repair shops or medical providers if your policy specifies.

Sometimes this happens in reverse order because getting you healthy trumps being prudent. 

8. Pay your deductible

If your policy includes a deductible, you will need to pay that amount before the insurance company covers the rest.

9. Receive payment

If your claim is approved, the insurance company will provide payment for the covered losses. This may be sent directly to you or to the repair shop or medical provider, depending on the circumstances.

​Hold the check back until you are satisfied with the services.

10. Close the claim

Once all expenses are covered and the claim is settled, the insurance company will close the claim. Make sure all your questions are answered, and you are satisfied with the resolution.

11. Follow up

Continue to communicate with your insurance agency if you encounter any issues or need further assistance throughout the claim process.

Remember to review your insurance policy to understand what is covered and the specific steps and requirements of your independent insurance agency. It's essential to be prompt and thorough in your communication and documentation to ensure a smooth claims process.