Reporting an Auto Insurance Claim

You’ve just been involved in an auto accident – what do you do?


If you have been involved in auto accident, involving injury and/or property damage, you will need to file an insurance claim with your insurance company regardless of fault. It is always important to review your insurance policy so you understand your coverages however in the event of an accident the first person to call is your insurance broker. They will be able to guide you through the claim process and advise you on the best course of action.


Your Insurance Broker will want to know the following information:


  • Details of the other party involved. If you can, try to get a picture of the other driver’s pink slips – it will detail their insurance information. If not, write down as much information as you can; the insureds name, their policy number, and insurance company and the license plate number of the other vehicle.
  • The circumstances surrounding the accident – damage to the vehicles, any injuries involved, the time and location of the accident.
  • If the accident was reported to the police, record the officer assigned and their badge number as well as the claim report number.

Once your claim is opened you will be assigned a claims adjuster. They will be your point of contact throughout your claim and will also determine fault assignment based on the facts surrounding the claim and Fault Determination Rules. If at any point you are unhappy with the process you can speak with either your adjuster or your insurance broker to see if a mutually agreeable outcome can be met.


More information of claims process can be found here on the FSCO website.


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