When Should You File an Auto Insurance Claim in Colorado?

When accidents happen, determining whether to file an auto insurance claim can be challenging.

It’s crucial to recognize the optimal times to engage your insurer and when handling matters privately might be more appropriate.

When to File an Auto Insurance Claim

Consider filing an auto insurance claim in the following situations:

• A third party is involved. If your accident includes other vehicles, passengers or pedestrians, filing a claim is advisable. Even minor damage can result in expensive medical bills or legal complications.

• It’s unclear who is at fault. When fault is uncertain, involving your insurer is prudent. They can investigate and determine liability, protecting you from potential lawsuits.

• There is significant damage. If your car sustains substantial damage or is a total loss, filing a claim is essential. Repair costs may quickly exceed your deductible, emphasizing the need for insurance coverage.

How to File a Claim

The following is a typical process for filing an auto insurance claim:

1. Assess the situation. Ensure everyone’s safety. Move to a safe location if possible. Call emergency services if needed.
2. File a police report. If there are injuries, substantial damage or disagreements regarding fault, it’s advisable to call the police to the scene. Be sure to obtain a copy of the police report for your records.
3. Exchange information. Share contact details, insurance information and driver’s license numbers with the other party involved. Additionally, make a note of the other vehicle’s make, model and license plate number.
4. Document the scene. Take photos or videos of the accident scene, including vehicle damage, road conditions, and relevant signs or signals. Capture the position of the vehicles before moving them.
5. Contact your insurer. Notify your insurance company promptly. Most insurers have a 24/7 claims hotline. Provide accurate details about the accident, including location, time and other parties involved.
6. Provide your insurer with documentation. This could include an accident report form (provided by the insurer), photos or videos of the accident, witness statements and medical records.
7. Get your vehicle repaired. Your insurer will guide you to an approved repair shop or allow you to choose one. Obtain repair estimates and submit them to your insurer.
8. Receive your insurance payout. Your insurer will evaluate the claim and determine liability. You may receive compensation for repairs, medical expenses or other losses.

Auto Insurance in Greeley, CO

Contact Aztlan Insurance Agency today to discuss your auto insurance policy. We can review the claims process with you to help ensure you know what to do if an incident occurs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.