Do’s and Don’ts When Filing an Auto Insurance Claim

Auto Insurance Claim Do’s and Don’ts

So, you’ve been involved in a car accident. Even though it may feel overwhelming, remember that you’re not alone. To help you breeze through the claims process so that you can get back on the road, familiarize yourself with these do’s and don’ts when filing a claim on your auto insurance on Long Island, NY.


  • Keep your insurance information nearby. It’s a good idea to put your insurance information on your phone and to keep a hard copy in the car so that you are not flustered when trying to find this information.
  • File a police report. Most auto insurance claims require a police report. If you don’t call the police out to the scene of the accident, be sure to visit your nearest police station immediately.
  • Take down accurate information. As soon as you can, write down everything you remember about the incident. Get the details of the other drivers involved in the accident and take pictures of the scene.
  • Read through your insurance. Ideally, you should know this beforehand. This is so you are aware of what you may claim for and what your insurance may not cover.
  • Save receipts. Put mechanic recipes, police reports, medical bills, and other related bills in a safe spot. Depending on your policy, you may need to file these documents in support of your claim.

Do not:

  • Avoid admitting fault. Admitting fault could void your claim. It’s best to stick with the facts and stay calm when reporting what did occur.
  • Don’t argue. Tempers flare when accidents occur, and these situations can escalate unnecessarily. Stay calm, level-headed, and don’t lose your cool even if the other motorist does.
  • Don’t wait. File your claim as soon as possible and let your insurer know that you have been involved in an accident. Your agent will then get you started on the claims process and inform you of the next steps.

This tips can help you when you need to file an auto insurance claim. For the policy you need and deserve, contact the industry experts at Premier Risk, LLC on Long Island, NY.