Ten Tips to Help You Have a Smooth and Successful Auto Claim Experience:

1. Document the Scene: Take clear photos of the accident scene, if possible, including vehicles involved, any visible damage, license plates, and the surrounding area.  Gather contact information of witnesses, if any.
2. Notify Your Agent/Insurance Company of the Incident Promptly: Contact your Agent as soon as possible.  They will be able to advise you on the claim process.  If this is not feasible, report the accident to your insurance company as soon as possible, especially in the case of injuries to either driver or passengers.
3. Get a Police Report: If the accident is serious, involve the police and request an official report. (In Pennsylvania, you must contact the police if someone is injured, a vehicle must be towed or there is other property damage.)  A police report can be crucial evidence for your claim and allows you to confirm your perspective as to the cause of the claim.
4. Know Your Policy: Your agent can help you familiarize yourself with the terms of your auto insurance policy.  Understanding your coverage will help manage your expectations during the claims process.
5.  Keep Detailed Records: Maintain a file with all relevant documents, including the police report, claim number, claims adjuster contact information and communications with your insurance company, receipts for any expenses, and repair estimates.
6.  Communicate the Facts Clearly and Accurately: Be straightforward and thorough when providing information to your insurance company. Misrepresenting facts could lead to delay in claim resolution, claim denial, or legal consequences.
7.  Choose a Reliable Repair Shop: Select a reputable repair shop or check with your agent or claims adjuster to see if there is one recommended by your insurance company. Most companies offer various guarantees and a expedited claim process if you choose a repair shop that they have prequalified, however the choice of repair shop you use is always yours.
8.  Understand the Claims Process: Ask your company’s adjuster to explain the claims process, including timelines, required documentation, and what to expect at each stage.
9.  Stay Organized and Follow Up: Answer all calls or communication from your adjuster, promptly. Regularly follow up with your insurance company to check the status of your claim. Staying proactive can help avoid unnecessary delays.
10. Know Your Rights: If you feel your claim is being unfairly handled, you should contact your agent for advice and/or escalate the matter with the insurance company adjuster by asking for the claim to be reviewed by a claims manager and the response be provided in writing.