Figuring out car insurance is complicated enough on its own, but adding the stress of a collision claim can add even more complexity to the situation. We want to help make it a little easier by outlining the steps you should take if you’re involved in an accident. First of all, be sure to get this insurance information from the other driver:

  • Full name and contact info
  • Their insurer and policy number

That’s also the information you should give to them. For your own records, be sure to take note of:

  • Location of accident
  • Any witnesses that are willing to give you their contact info

If the police have been called to the scene, you should also request a copy of the police or incident report. Many insurers will ask for a report number when you call in the claim.

Once you have all of your necessary information, call your insurance company as soon as possible. You may be asked to do an interview with the other driver’s insurance company, so be truthful in what happened. An inspection of the car will have to take place, but some insurances will require different processes. In most cases, a claims adjuster will need to inspect the car. A lot of the time an auto body shop—like us—will work with the insurance company for the inspection.

If you’re still feeling unsure about the process after an accident, call your insurance company to ask them what information they will need for the claim. Tell them where you plan to take your car for repairs, and ask if they can inspect your car there. If you’re in the Lake Elmo area, give us a call. We’ll work with all insurance companies and do an excellent job repairing the damages so your car looks good as new when finished.