When to File an Auto Insurance Claim 

Not every incident requires a claim, so knowing when and how to file can make a big difference in resolving an accident efficiently.

When Should I File an Auto Insurance Claim?

You should consider filing a claim if someone is injured, if there’s significant damage to your vehicle or another person’s property or if you’re unsure who is at fault. These situations often involve legal or financial complexities that are better handled with your insurer’s involvement.

On the other hand, if the damage is minor and the repair cost is close to or below your deductible, it might make more sense to pay out of pocket. Also, if no other parties are involved and there’s no injury, skipping the claim could help you avoid potential premium increases.

How to File an Auto Insurance Claim

Filing a claim does not have to be overwhelming. Here’s a step-by-step guide to help you navigate the process smoothly:

• Document the scene—Take photos of all vehicles involved, any visible damage and the surrounding area.

• Exchange information—Collect all parties’ names, contact details, insurance information, and license plate numbers.

• File a police report—If required in your state or if injuries are involved, contact law enforcement.

• Notify your insurer—Call or use your insurer’s app or website to start the claim process.

• Provide details—Share all relevant information, including the police report number and photos.

• Work with the adjuster—An adjuster may inspect the damage and guide you through the next steps.

• Get repairs—Once approved, take your vehicle to a repair shop and keep all receipts.

Contact Hidalgo Multiservices today for guidance with filing a claim or to explore your auto insurance options. Our team is happy to help you every step of the way.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.