A car accident can be a stressful experience, but knowing how to properly file an insurance claim can make the recovery process smoother. Whether you’re dealing with minor damage or significant repairs, following these steps will help you navigate your claim efficiently in Texas.
1. Ensure Everyone’s Safety and Report the Accident
Before worrying about the insurance process, check for injuries and call 911 if medical assistance is needed. If the accident is minor and there are no injuries, move your vehicle to a safe location and turn on hazard lights.
Texas law requires that accidents resulting in injury, death, or property damage exceeding $1,000 be reported to the police. A police report can be helpful when filing your claim.
2. Gather Information at the Scene
To streamline your insurance claim, collect the following details:
- Other driver’s information (name, contact number, insurance provider, and policy number)
- Vehicle details (make, model, license plate number)
- Witness information, if applicable
- Photos and videos of the accident scene, vehicle damage, and any relevant road conditions or traffic signs
3. Contact Your Insurance Company
Most insurance providers require prompt reporting of accidents. Call your insurance company as soon as possible to report the incident and begin the claims process. Be prepared to provide:
- Your policy number
- The date, time, and location of the accident
- A description of what happened
- The contact and insurance details of the other driver(s)
Your insurer may ask for a copy of the police report, if available.
4. Understand Your Coverage and Deductible
Before proceeding with repairs, review your insurance policy to understand:
- Comprehensive vs. Collision Coverage: If the accident was your fault, your collision coverage will cover damages (minus your deductible). If another driver was at fault, their liability coverage should cover your damages.
- Uninsured/Underinsured Motorist Coverage: If the other driver lacks insurance, this coverage can help pay for damages.
- Rental Car Reimbursement: If your vehicle needs repairs, your policy may cover the cost of a rental car.
5. Get an Estimate for Repairs
Your insurance provider may suggest preferred repair shops, but you have the right to choose your own. If you’re in Austin, consider Covert Collision, where we provide OEM parts, expert service, and work with all major insurance providers.
An adjuster may inspect your vehicle or ask you to submit photos to assess the damage before approving the claim. If additional damage is discovered during repairs, your shop can file a supplemental claim.
6. Follow Up and Finalize Your Claim
Once your claim is processed, stay in touch with your insurance adjuster to track the progress. If repairs take longer than expected, confirm whether rental coverage applies. Once the repairs are completed and your claim is settled, review the final paperwork to ensure everything was covered properly.
Need Collision Repair? Visit Covert Collision in Austin!
If you’ve been in an accident and need a reliable repair shop, trust Covert Collision in Austin, Texas. We’ll work with your insurance company to get your vehicle back on the road safely and efficiently. Contact us today for a repair estimate!