How to File an Auto Claim in Tampa, FL
Your auto insurance is designed to financially assist you in the event of an accident. But to get the most out of your policy, it’s important to know how to file a claim and what that process looks like.
The following steps are typical of filing a claim in the wake of an accident.
- Stay safe and document the scene.
- Move to a safe location if you’re able and check for any injuries; seek medical attention if needed.
- Call 911 and wait for police to arrive.
- Take photos of any damage and license plates.
- Collect insurance and contact information from other drivers if you’re able; it can be helpful to collect contact information for witnesses if needed later.
- Reach out to your insurance company.
- As soon as you’re safely able, contact your insurer by phone, online, or through a mobile app.
- Make sure you provide them with the date and details of the accident, and submit the photos or documentation you collected earlier.
- Wait for your claims adjuster to make an assessment.
- Once your claim is submitted, you will be assigned a claims adjuster to investigate the accident. They’ll review all the documentation you provided and likely inspect your vehicle.
- Review repair estimates.
- Your insurer may suggest a repair shop, or you may be able to choose your own.
- Your insurer will approve or deny the repairs.
- If your car is totaled and unable to be repaired, your insurer may pay the acutal cash value of your vehicle, minus your deductible.
- Receive payment, or appeal your claim if it’s denied.
- Once your claim and repairs are approved, your insurer will issue payment to the repair shop. If the repairs are extensive, your insurer may also assist with a rental car.
- If your claim was denied, you may appeal your denial. Reach out to your insurer to begin this process.
Contact Us
Being in an accident can be a stressful situation. Understanding the process to filing a claim with your insurer can help ease some of this process and get you the financial relief you need in a timely manner so you can get back on the road.
Contact All Affordable Insurance Agency in Tampa, FL today for a personalized quote or more information.