Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 14, 2020

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Key takeaways...

  • The whole point of car insurance is to have protection in place for when an accident occurs, however, its this lack of knowledge which can frustrate some drivers
  • Make sure you carefully review your policy options to make sure you have adequate coverage in the event of an accident
  • It’s very important to ask any potential insurance provider about their claims process and if you can even speak to a claims agent for some feedback it may just help you form a better trust for the company

When you need to a file car insurance claim two things will happen. Both the customer service of the car insurance company and your knowledge of car insurance will be tested.

This can be a defining moment for many drivers as often consumers only now realize what is and is not covered under their policy.

The problem is most drivers just write a check and never really dig into the details of coverage until its too late.

When an accident happens your first concern should be safety, however, its still not uncommon to worry about the financial repercussions and the question of “how do I submit a car insurance claim?”

The whole point of car insurance is to have protection in place for when an accident occurs, however, its this lack of knowledge which can frustrate some drivers.

Think about it this way, if you understood how much coverage you have, what exactly you are covered for and what phone number to call to submit a claim then when an accident happens your brain will automatically focus to solving the problem at hand and not worry about the financial costs.

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Table of Contents

What is a car insurance claim?

Essentially any car insurance claim is a request for payment of insured damages in return for collecting monthly premiums.

You premiums purchase insurance and provide you a right to request payment when any damage occurs that is covered under the car insurance policy.

 Its important to note that filing a claim does not automatically provide you with payment

The respective car insurance company has to review the claim and may choose to deny it. This is another reason to understand your car insurance policy, to make sure you get the coverage you have paid for.

Consumers often report claims are denied when in fact they should have been covered. Without understanding the details of your policy how do you know if the car insurance company denial was just?

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How do I file a claim?

Most car insurance companies provide a number of ways to file a claim against your auto insurance policy including in-person, by telephone, online or by mail.

You should always program your car insurance company phone number in your cell phone. This will be critical for you in the event of an accident.

One of the most important factors when choosing a car insurance company will be how they handle claims.

It’s very important to ask any potential insurance provider about their claims process and if you can even speak to a claims agent for some feedback it may just help you form a better trust for the company.

Of course, when it comes to asking any insurance company for money it can go either way but at least do some research before signing up for a policy.

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