How To File a Car Insurance Claim?

Filing a car insurance claim can help you recover losses after an accident, theft, or damage. Gibb Agency Insurance Services provides car insurance in Wylie, TX, Dallas, Frisco, McKinney, Addison, TX, Plano and surrounding areas.

This is a step-by-step guide to help you through the process:

Ensure Safety and Report the Incident

First, check for injuries and move to a safe location if possible. Call emergency services if needed. Even in minor accidents, it’s wise to contact the police and obtain a report, which may be required by your insurer.

Document the Scene

Take clear photos of the damage, license plates, involved vehicles, and the surrounding area. Collect information from all parties involved—names, contact details, insurance providers, and driver’s license numbers.

Notify Your Insurance Company

Contact your insurer as soon as possible. Many companies have 24/7 hotlines or mobile apps to report claims. Be ready to provide your policy number, the date and time of the incident, and a description of what happened.

Submit a Claim

Your insurer will guide you through the claim process. You may be asked to fill out a claims form and submit supporting documents like the police report and photos.

Damage Inspection and Repair

An insurance adjuster might inspect your vehicle or ask for repair estimates. Some insurers work with approved repair shops for direct billing. You’ll be informed whether the damage is covered and what your deductible is.

Claim Approval and Payment

Once the claim is reviewed and approved, your insurer will issue payment—either directly to you or the repair shop—depending on your coverage.

Follow Up

Stay in contact with your insurance adjuster to track progress and address any questions or delays.

By staying organized and responsive, you can help ensure a smooth claims process and quicker resolution.

Would you like to discuss?  Please give us a call, or email us!