Personal Lines – Filing an Auto Insurance Claim in Rancho Cucamonga, CA

Accidents or experiencing vehicle damage can be a stressful situation. Being prepared by knowing how to file your auto insurance claim can help streamline that process so you can focus on moving forward.

Steps for Filing an Auto Insurance Claim

1. 1. Ensure safety and document the scene. In most cases, you’ll want to call for emergency services immediately after an accident, especially if there are injuries. Apart from addressing any immediate medical needs, your insurance carrier will want a police report from the accident. When you’re able to safely do so, take pictures of the scene and damage.
   2. Exchange necessary information. Be sure to collect the insurance and contact information for the other driver or drivers involved in the accident. You may also want to note their license plate numbers and collect contact information for witnesses to the incident if you can.
   3. Notify your insurer. Most insurance companies have a 24/7 hotline to report accidents; you may also be able to report your accident online or through the insurance company’s mobile app. It’s crucial to report your accident as soon as you’re able to begin the claims process.
   4. Work with your adjuster. Once you report your accident, you’ll likely be assigned an adjuster. You’ll want to have all documentation on your vehicle’s damage on hand to aid in the adjuster’s inspection, which they can use to estimate the cost of repairs. If you disagree with the estimate, you may be able to get a second opinion from a trusted professional.
   5. Keep detailed records. Throughout the claims process, be sure to keep all receipts for any repairs or expenses that are relevant to the accident. These can be medical expenses or repair bills, and your insurance company may require proof of these for reimbursement.

   If your claim is approved, your insurance provider may provide a payout to you, a body shop or other professional service for repairs. If your claim is denied, work with your insurer to fully understand why you were denied. You may consider contacting a legal professional if you plan to appeal the claim denial.

   Contact Us

2. Contact Foothill Insurance Agency today to learn more about filing an auto claim and a personalized auto insurance quote.