Filing an insurance claim after a motor vehicle accident involves reporting the crash to your insurer, documenting damages and injuries, and working with an adjuster who investigates the claim. Understanding how claims are evaluated, and common reasons they’re denied or delayed, can help you avoid costly mistakes.
Notify your insurer promptly; many policies require reporting within a set window.
An adjuster is assigned to investigate the accident and estimate damages.
Photos, repair estimates, medical records, and police reports support your claim.
Coverage limits and exclusions determine what the claim can pay for.
Claims can be denied or reduced for disputed fault, missed deadlines, or gaps in documentation.
Compare a settlement offer against your actual damages before accepting.
