Car Insurance Claims Dos and Don’ts

We have created a list of Do’s and Don’ts that you should adhere to throughout the insurance claims process. We also have some helpful information about the first steps you should take after a car accident, and some Do’s and Don’ts after a car accident as well.


  • Call your insurance agent as soon as a car accident occurs. This should be done once you get home.  Insurance claims must be assessed as soon as possible.
  •  Take the time to review your insurance policy before talking to your insurance agent.
  • Take notes of all conversations you have with your car insurance company. This includes taking note of names, job titles, phone numbers, supervisors etc.
  • Check to see if you have insurance coverage under another insurance policy. Some people are not aware that their homeowner insurance policy may have an umbrella clause that covers some claims. If you are in an accident in a rental car, check for a clause in your insurance policy as well for this.
  • Take pictures of all cars involved.
  • Take pictures of all injuries if you can.
  • Take pictures of the accident.
  • Tell your insurer the truth, or legal consequences can ensue.
  • Understand your coverages
    • Not all policies have comprehensive insurance, many only have replacement coverage others only will give you the cash value.
  • Keep all records of all your expenses and bills related to your injuries and claims.


  • Give any written info to your insurer until you know about your coverage. Also if you wish, you do not have to let your insurer to record any convos you have with them.  If you need further guidance check with an attorney.
  • Accept the first appraisal of your losses given to you by your car insurer.
  • Promise to sign or actually sign any waiver and releases until you consult with an attorney. Insurance companies at times off you money that may be premature. Its tough after a major financial loss such as the loss of a car to want to take your first monetary offer. But you should not accept this offer until you are able to make sure you have an inventory of all your destroyed items in the vehicle.
  • Accept anything that says “final payment” unless you are ready to do so.
  • Forget or misread time periods in your insurance policy.
    • Most policies only give you up to one year to pursue your claims.
    • Contact an attorney ASAP.
  • Let your insurance company try to get out of paying you.
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