{"id":261,"date":"2026-01-28T09:49:53","date_gmt":"2026-01-28T09:49:53","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=261"},"modified":"2026-02-24T17:52:39","modified_gmt":"2026-02-24T17:52:39","slug":"how-to-file-a-car-insurance-claim","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/how-to-file-a-car-insurance-claim\/","title":{"rendered":"How to File a Car Insurance Claim"},"content":{"rendered":"<p><span data-contrast=\"auto\">Getting into a car accident can be overwhelming. Even if no one is seriously hurt, the stress of the moment can make it hard to remember what to do next. Many drivers carry\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/\"><span data-contrast=\"none\">auto insurance<\/span><\/a><span data-contrast=\"auto\">\u00a0but are unsure how the claims process works or how to file a car insurance claim properly.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The good news is that filing a claim\u00a0doesn\u2019t\u00a0have to be complicated. With the right preparation and a clear understanding of each step, you can navigate the process confidently and avoid unnecessary delays. This guide explains what you need to know before an accident happens, what to do\u00a0immediately\u00a0after a crash, and how to work with your insurer to\u00a0get your claim resolved.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">What to Know About Your Policy Before an Accident Happens<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">No one expects to be in an accident, but knowing your coverage ahead of time can make a major difference when something goes wrong.\u00a0Before an accident ever happens, understanding your auto insurance policy can save you time, money, and stress. Many drivers carry coverage without fully knowing what it includes or how it applies after a collision. Reviewing your policy in advance helps you make informed decisions if you ever need to file a claim.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Before the worst happens, make sure you understand the following parts of your policy:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\"><b><span data-contrast=\"none\">Liability coverage limits<\/span><\/b><\/a><span data-contrast=\"auto\">: This coverage pays for injuries or property damage you cause to others. Knowing your limits helps you understand how protected you are if you are found at fault.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/collision\/\"><b><span data-contrast=\"none\">Collision coverage<\/span><\/b><\/a><span data-contrast=\"auto\">: Collision helps pay for damage to your own vehicle after an accident, regardless of fault. If you lease or finance your car, this coverage is often required.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/comprehensive\/\"><b><span data-contrast=\"none\">Comprehensive coverage<\/span><\/b><\/a><span data-contrast=\"auto\">: This applies to non-collision events like theft, vandalism, fire, hail, or falling objects.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/optional-coverage\/\"><b><span data-contrast=\"none\">Optional coverages<\/span><\/b><\/a><span data-contrast=\"auto\">: These may include rental reimbursement, roadside assistance, and medical payments coverage. These extras can be especially helpful while your vehicle is being repaired.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">It is also important to know how to report a claim. Many insurers allow claims to be filed by phone, online, or through a mobile app. Saving your insurer\u2019s contact information ahead of time makes it easier to act quickly after an accident.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">What to Do Immediately After an Accident<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">After a car accident, emotions can run\u00a0high but\u00a0staying calm and focused helps protect your safety and your insurance claim. There are several steps that should take priority\u00a0in\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/what-to-do-after-a-car-accident\/\"><span data-contrast=\"none\">what to do after a car accident<\/span><\/a><span data-contrast=\"auto\">\u00a0before you begin the claims process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Immediately after an accident, you should:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Move to a safe location if possible: <\/span><\/b><span data-contrast=\"auto\">Pull over and park away from traffic to reduce the risk of further collisions.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Check for injuries: <\/span><\/b><span data-contrast=\"auto\">Make sure you and others involved are safe. Call emergency services if anyone is injured.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Contact the police: <\/span><\/b><span data-contrast=\"auto\">A police report provides official documentation that may be important for your claim, especially if fault is disputed.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Exchange information: <\/span><\/b><span data-contrast=\"auto\">Collect names, contact details, insurance information, and license plate numbers from all drivers involved.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Document the scene: <\/span><\/b><span data-contrast=\"auto\">Take photos of vehicle damage, road conditions, traffic signs, and the surrounding area. If there are witnesses, ask for their contact information.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Avoid discussing\u00a0fault\u00a0at the scene. Statements made under stress can be misunderstood later. Focus on gathering\u00a0accurate\u00a0information and ensuring everyone\u2019s safety.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-12563 size-full\" src=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2.jpg\" alt=\"Worried woman crouches between two cars after a minor accident, checking her phone for steps on how to file a car insurance claim.\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2.jpg 1000w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2-300x200.jpg 300w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2-768x512.jpg 768w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2-750x500.jpg 750w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2-294x196.jpg 294w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2-320x213.jpg 320w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-2-285x190.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2><span data-contrast=\"none\">How to Start Your Car Insurance Claim<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Once the immediate situation is under control, contacting your insurance company should be your next priority. Starting your car insurance claim promptly helps protect your rights under the policy and allows the insurer to begin evaluating the damage while details are still fresh.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Most insurers offer several ways to file a claim, including by phone, online portals, or mobile apps. Choose the\u00a0option\u00a0that feels easiest for\u00a0you, but\u00a0try not to delay. Waiting too long can slow down the process or create unnecessary complications.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">When you start your claim, be prepared to share clear and\u00a0accurate\u00a0information, including:<\/span><\/p>\n<ul>\n<li><span style=\"color: initial\">The date, time, and exact location of the accident<\/span><\/li>\n<li><span data-contrast=\"auto\">\u00a0A brief description of how the collision occurred<\/span><\/li>\n<li><span data-contrast=\"auto\">The names and insurance details of other drivers involved<\/span><\/li>\n<li><span data-contrast=\"auto\">Police report information, if available<\/span><\/li>\n<li><span data-contrast=\"auto\">Photos or videos from the scene<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Your insurer will create a claim file and assign a claim number. This number is important, as you will use it for all future communication related to the accident. Ask your representative what to expect next, including timelines, inspections, and documentation requirements.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Starting your claim does not mean you are accepting\u00a0fault. It simply allows your insurance company to investigate the incident and\u00a0determine\u00a0coverage based on the facts and your policy terms.\u00a0It\u2019s\u00a0essential to be mindful of what you say or share when filing a claim and aware of\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/how-public-social-media-posts-affect-your-insurance-claims\/\"><span data-contrast=\"none\">how public social media posts affect your insurance claims<\/span><\/a><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Providing Documentation and Estimates<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Strong documentation keeps your claim moving smoothly. Missing or incomplete paperwork is one of the most common causes of claim delays.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Be sure to keep records of:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Repair estimates and final invoices<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Medical bills related to the accident<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Rental car receipts or transportation expenses<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Towing or roadside\u00a0assistance\u00a0costs<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Proof of lost wages, if applicable<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Most insurers allow you to choose your own repair shop, even if they provide a list of preferred providers. Before authorizing repairs, confirm how much the insurer will cover and how your deductible applies.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Organizing documents in a single folder, either digital or physical, makes it easier to\u00a0submit\u00a0information when requested and avoids unnecessary follow-ups.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Working With Your Insurance Adjuster<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">An insurance adjuster plays a key role in evaluating your claim. Depending on the severity of the accident, the adjuster may inspect your vehicle, review repair estimates, or contact you for\u00a0additional\u00a0information.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To keep the process moving:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Respond promptly to requests for documents or clarification<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Provide honest and\u00a0accurate\u00a0details about the accident<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Share any legal notices or settlement demands you receive<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ask questions if something is unclear<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">While it may feel time consuming, cooperation helps your insurer protect you and process your claim fairly. The goal is to reach a settlement that aligns with your policy coverage.\u00a0Insurance adjusters\u00a0are responsible for\u00a0evaluating damage and\u00a0determining\u00a0how coverage applies. Clear communication helps build trust and keeps the process moving.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If an adjuster inspects your vehicle, ask questions about how damage is assessed and how repair costs are calculated. Understanding this process can help you review estimates more confidently.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Keep a log of all conversations, including dates, names, and key points discussed. This record can be helpful if questions arise\u00a0later\u00a0or if your claim requires further review.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-12564 size-full\" src=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4.jpg\" alt=\"Insurance adjuster in a button-up shirt and glasses inspects the damage between two cars and takes notes on a clipboard, showing how to file a car insurance claim.\" width=\"1000\" height=\"527\" srcset=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4.jpg 1000w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4-300x158.jpg 300w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4-768x405.jpg 768w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4-949x500.jpg 949w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4-372x196.jpg 372w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4-320x169.jpg 320w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2017\/09\/Freeway-how-to-file-a-car-insurance-claim-4-285x150.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h3><span data-contrast=\"none\">What to Do If\u00a0You\u2019re\u00a0Not Satisfied\u00a0with\u00a0the Settlement<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Receiving a settlement offer that feels too low can be frustrating, especially when you are already dealing with the stress of an accident. If the amount offered does not seem to cover your repairs, medical expenses, or other losses, you\u00a0are not required to\u00a0accept it right away. You have the right to ask questions, request clarification, and explore other options outlined in your policy.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Start by carefully reviewing the settlement details alongside your insurance policy. This helps you understand how the insurer calculated the payout and which coverages were applied. In some cases, missing documentation or overlooked damage can affect the final amount.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you believe the settlement is insufficient, consider taking the following steps:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Request a written explanation of how the settlement was calculated: <\/span><\/b><span data-contrast=\"auto\">This breakdown can help\u00a0identify\u00a0any gaps, exclusions, or valuation issues that may need to be addressed.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Submit additional documentation: <\/span><\/b><span data-contrast=\"auto\">Providing updated repair estimates, medical bills, or proof of related expenses may support a higher settlement.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\"> Ask about the appraisal or dispute process: <\/span><\/b><span data-contrast=\"auto\">Many policies include a formal process for resolving disagreements over claim values. This may involve independent appraisers or additional review.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Communicate in writing when possible: <\/span><\/b><span data-contrast=\"auto\">Keeping a clear record of emails, letters, and claim notes can be helpful if the issue escalates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Remain professional and patient: <\/span><\/b><span data-contrast=\"auto\">Disputes can take time, but clear communication often leads to better outcomes.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If the disagreement continues or involves a complex loss, you may also consider seeking advice from a legal professional or claims specialist.\u00a0It\u2019s\u00a0also important to be aware of\u00a0<\/span><a href=\"https:\/\/caraccidents.blog\/what-to-do-legally-after-a-car-accident-a-step-by-step-guide\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">what to do legally after a car accident<\/span><\/a><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The goal is not conflict, but fairness. Taking the time to understand your rights and policy options can help ensure you receive a settlement that accurately reflects your covered losses.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">How Freeway Insurance Can Help You Through the Claims Process<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Filing a claim can feel stressful, especially after an accident. Freeway Insurance works with drivers every day to help them understand their coverage, navigate the claims process, and avoid costly mistakes that can delay payouts.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Beyond helping with claims questions, Freeway Insurance also helps drivers find affordable auto insurance policies that match their driving history, budget, and state requirements. If you want peace of mind on the road and confidence that your coverage will be there when you need it most,\u00a0our\u00a0bilingual agents can\u00a0help you find the coverage that you need! Give us a call at\u00a0<\/span><a href=\"tel:800-777-5620\"><span data-contrast=\"none\">800-777-5620<\/span><\/a><span data-contrast=\"auto\">, stop by one of our\u00a0<\/span><a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">offices<\/span><\/a><span data-contrast=\"auto\">\u00a0near you, or start a\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/\"><span data-contrast=\"none\">quick quote online<\/span><\/a><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">FAQs<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<h3><span data-contrast=\"none\">How Long Do I Have to File a Car Insurance Claim?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Time limits vary by insurer and state, but it is best to report an accident as soon as possible. Delays can complicate the claims process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Will My Insurance Rates Go Up After Filing a Claim?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Filing a claim may affect your rates depending on fault, claim type, and your driving history. Not all claims lead to premium increases.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Do I Pay My Deductible Before or After Repairs?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Typically, you pay your deductible when repairs are completed. The insurer covers the remaining approved costs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Can I File a Claim Without a Police Report?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Yes, but a police report helps\u00a0establish\u00a0facts and may be\u00a0required\u00a0for certain claims. Always file\u00a0one when\u00a0possible.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">What Happens If the Other Driver\u00a0Doesn\u2019t\u00a0Have Insurance?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If you carry uninsured motorist coverage, your policy may help cover\u00a0damages\u00a0and injuries.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">How Do I File a Claim\u00a0in\u00a0a Hit and Run Accident?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">It\u2019s\u00a0important to know\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-safety\/report-hit-and-run\/\"><span data-contrast=\"none\">how to report a hit and run<\/span><\/a><span data-contrast=\"auto\">. You should call the\u00a0police\u00a0immediately, document the scene, and contact your insurer. Uninsured motorist coverage may apply.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting into a car accident can be overwhelming. Even if no one is seriously hurt, the stress of the moment can make it hard to remember what to do next. Many drivers carry\u00a0auto insurance\u00a0but are unsure how the claims process works or how to file a car insurance claim properly.\u00a0 The good news is that [&hellip;]<\/p>\n","protected":false},"author":1002629,"featured_media":12593,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,76],"tags":[79,18,84,1973],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/261"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002629"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=261"}],"version-history":[{"count":9,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/261\/revisions"}],"predecessor-version":[{"id":12566,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/261\/revisions\/12566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media\/12593"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=261"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=261"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}