When Should You File an Auto Claim? 

It’s recommended to file an auto insurance claim if your vehicle suffered significant damage or if someone is injured. Minor fender benders with minimal damage might not warrant a claim, especially if the repair costs are less than your deductible. However, if the accident involves another vehicle or property, it’s usually wise to file a claim to cover potential liabilities.

How Long Do I Have to File a Car Insurance Claim?

The time frame for submitting a car insurance claim varies based on your insurance policy and the nature of the claim. Generally, it’s advisable to file a claim as soon as possible after an accident to ensure a smooth process. Some insurance policies require you to report the incident within a certain timeframe (e.g., 30 to 90 days). Delaying your claim can complicate the process, as it may be harder to assess damages and determine liability.

How Do I File an Auto Insurance Claim?

Follow this guide to help you through the process of filing a claim:

1. After an accident, check if everyone is safe and call emergency services if needed.
2. Document the damage through photos or videos, collect witness statements and exchange information with the other driver.
3. Notify your insurer as soon as possible. Provide them with all the details of the accident.
4. Complete any required paperwork from your insurance company.
5. Have a professional assess the damage to your vehicle.
6. Follow up with your insurance company or claims adjuster to track the progress of your claim.

Contact Prime Time Insurance Services today for more information on auto insurance claims. Our team is ready to assist you with any questions or concerns you may have.

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.