How to file an insurance claim for a car crash depends on the type of insurance you have and the timeframe for filing a claim. Typically, a person has a few days from the date of the accident to report the accident to their insurer. Depending on the policy, this can be less or more than a week, but generally, you need to report the accident within two weeks of the date of the accident. Insurance companies make money by limiting the amount they pay out, so they don’t want any excuses to deny your claim.
If you were at fault for the accident, filing a claim with the other driver’s insurance company will be easy, but it has its downsides. Insurers will likely investigate the claim, verify who is at fault, and determine if there’s any proof that you’re at fault. Additionally, you’ll likely have to pay your deductible until you can determine who’s at fault for the accident. Once you’ve been found to be at fault, expect to see your insurance rates increase significantly.
Even if you’re not at fault for the accident, it’s still a good idea to file a claim with your insurance company as soon as possible. To make the process easier, take photos of the scene and the other party’s vehicle. Take photos of the scene to document the extent of damage to your car and the other driver’s vehicle. You can also include photos of the other party’s vehicle and any traffic signs that may have caused the accident.