You never saw the minivan coming. You’re fine and so are they. But it was your fault and now you must make an at-fault accident insurance claim.
3 Dos When Filing a Car Accident Insurance Claim
Stay calm at the scene of your accident
After the car accident, process what happened and make sure you, your passengers, and anyone else involved are okay. If everyone’s fine, you can find peace in the knowledge that this is why you have car insurance.
Collecting yourself is important because you’ll want to gather all the evidence you can in advance of making your car accident insurance claim, and you’ll likely miss pieces of the story if you’re not composed.
And don’t be shy. Take pictures of everything because you never know what it could show. Maybe the skid marks left by the minivan will show that the driver was speeding down your street?
If you have Onlia car insurance, you can submit a claim right from our app. You’ll be prompted to enter all the information our Claims team will require, like photos of the incident, the location, and the other drivers' information.
If you’re with another provider, you’d call your insurance company as soon as possible while the incident is fresh in your mind, which leads us to the second do.
The insurance process and how to deal with injuries incurred
The car accident process works like this: your premiums (monthly car insurance payments) are inversely related to your deductible (what you pay upfront after a claim, and before insurance kicks in). Higher premiums equal a lower deductible.
The reverse is also true, though. A low monthly premium means a high deductible. And if your deductible will cover more than 60% of the repair work, you might be more inclined to go out of pocket. And depending on how the circumstances of the accident may affect your risk profile and, subsequently, your premiums moving forward, that 60% may drop.
But remember, if there was an injury in the accident or even the potential for an injury, the insurance company needs to know.
Do help your claims adjuster
Your claims adjuster evaluates all the evidence from the accident. They’ll provide what you need during this anxious time.
Always be sure to provide a clear and concise account of the accident and provide them with any further details they may require to ensure the situation is resolved.