First and foremost, if there has been an accident, the first thing to do is take care of yourself and anyone around you. Make sure the scene is safe.

Next, if you have been in an accident, or if someone has broken into, vandalized, or stolen your car, call the police. They can help with safety and request emergency services if needed. In some states, you are required to call the police after an accident, so make sure you know the law in your area.

Your insurance provider will likely ask for the police accident report on the incident. The police report can serve as a record of what happened and helps make sure the insurance company gets accurate information. You can check in with the police to get a copy of the report, in many cases within a day or two of it being filed. 

Whenever something happens to your car, it is essential to remain calm. Stay focused on collecting accurate information to file your car insurance claim.

Take Photos of Property Damage. Photos provide an essential record of what happened to you and your car. Take pictures of the accident scene, including the road, traffic signs, vehicles, etc. Get numerous photos of the damaged area, too, if possible, like the hood, trunk, windshield, etc. Make sure you have all the information you need to file a claim. Remember that even after a storm or earthquake, the situation might still be unsafe. Be careful and wait for conditions to be safe before taking pictures.

Talk To The Responding Officials. If you're involved in an accident, call 911 immediately. You'll need to provide the following information:

– Name
– Address
– Date and time of the crash
– Make, model, year, and VIN number of the other driver's vehicle
– License plate number
– Description of the vehicles involved
– Location of the crash
– Any injuries sustained
– Whether there were any witnesses
– The name and contact information of the responding law enforcement agency

Keep All Receipts. If you need towing, roadside assistance, or any other services because of the incident, keep all of the receipts. The insurance company may reimburse you for them, based on your auto insurance coverage.

Once you're safe, contact your car insurance company as soon as possible. Call the insurance company’s claims number, which is usually on your insurance card (you should also be able to find it online). Many major companies allow you to file a claim online or through a smartphone app.

When you reach your insurer, explain what happened in as much detail. This is where that information and documentation you took down at the scene comes in handy.

Accidents. If you have been in an auto accident, your insurer will inspect the cars and property involved to see who was at fault. They’ll also ask about what happened, including whether anyone else was hurt.

If the other driver is found at fault, their liability coverage will likely pay for any damage to your automobile or your medical bills up to the policy limit. If you are found to be at fault, your collision coverage can help pay for repairs to your vehicle. If you have medical payment coverage or personal injury protection, your medical bills may be covered up to your limit.

Vandalism, Theft, Natural Disasters. When you have not had an accident with another party, one of two types of insurance coverage may pay for car repairs or replacement. This depends on the scenario and facts involving the claim.

• Comprehensive coverage: Insurance coverage for repair or replacement after a theft, vandalism, natural disaster, or damage caused by hitting an animal or falling objects (for example, a rock hits and shatters your windshield)
• Collision coverage: Insurance coverage for repair or replacement of your automobile in a single-vehicle accident if your auto rolls over or if you hit another car or object

Check with your insurance company to confirm your comprehensive or collision coverage and ask about your deductible. Both are optional, but your automobile loan lender may require these types of coverage if you lease or finance your car.

If you’ve experienced a car theft or break-in, let the claims representative know of any personal property inside the vehicle. Ask whether those losses will be covered under your auto insurance policy. If not, they may be covered under your renters or homeowners insurance policy.

Also, report the theft to your finance or leasing company since it’s technically the vehicle owner.

Throughout the entire claims process, stay in communication with the insurance company. It can keep you updated on your claim’s progress.

Depending on the incident, you may decide against filing an insurance claim and pay out of pocket to avoid a potential increase in your insurance premium. Every situation is unique, so review your insurance policy carefully to determine the best financial decision.

Filing a car insurance claim can be similar across insurance companies. Who pays for damages, how much is covered, and whether you are covered at all vary based on your state and the details of the insurance policy.

This is why it is important to contact your car insurance company immediately after an incident. They can help you better understand the claims process and your coverage.

It is also good to periodically review your car insurance policy documents to understand what is covered in certain events. You may also benefit by shopping around to help make sure you still have the best car insurance policy, coverage, and rates for your needs.

RPM Dent Repair has over twenty-five years of experience in insurance claims for dent repairs. We are a licensed and insured Boston paintless dent removal company that provides professional paintless dent repair services and PDR training. For more information about insurance claims for dent repairs or PDR services, call us directly at 508-641-6892 or send us a message.

Please visit the photo gallery to view completed insurance claims projects and our auto dent removal service. This includes photographs of paintless dent removal, door dings and dents, motorcycle dent repair, acorn damage repair, and hail damage repair. Our customer reviews are also available to review on our testimonials page. 

RPM Dent Repair is a (PDR) paintless dent repair company in Raynham, Massachusetts that specializes in auto dent removal services. Our services include paintless dent removal, (MPDR) motorcycle gas tank dent repair, acorn damage, and auto hail damage repair.

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