How to file your insurance claim

Need to make an auto or home insurance claim?

Tips to help you succeed:

After a car accident or incident at your home, talk to your insurance company. You’ll want to discuss your options. Maybe you don’t want to file a claim. Consider your deductible—how much you pay before your insurance pays.
If you make a claim, write down details including when you called the company, who you talked to, and your adjuster’s name. Also, make a list of documents or information the company wants from you.
After a car accident, move your car to a safe location. Take photos of the accident scene, including your car, other involved cars, and anything that’s been hit such as trees, buildings, or street signs. Also photograph the other driver’s insurance information, driver’s license, and license plate.
If your house is damaged, write down the time and date you first saw the damage. Also note what the weather was like at the time. Take photos of any damage. Protect your home from further damage by covering broken windows or putting a tarp over a roof hole. Don’t make permanent repairs until your company gives the OK.
On any claim, save all receipts.
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Want more tips about making a claim? Listen to this Texas Insurance Podcast.

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