Should I file a claim after an accident?
When should I file a claim after an accident?
If you’re involved in an auto accident—whether a single-car accident or with another driver—it’s generally best to file a claim. This is especially true if the accident resulted in:
Bodily injuries—to you, passengers, other drivers, or pedestrians
Vehicle damage
Other property damage
What type of information will I need when filing an accident claim?
To file a claim with the other driver’s insurance company, provide as much of the following information as you can:
Your name and contact information
The other driver’s name and contact information
Their auto insurance provider and policy number—you’ll find this information on their insurance ID card
Accident date, time, and location
Photos of the vehicles and any other damage
Witness names and contact information, if applicable
When not to file a claim after an accident
While you’re never required to file a claim, it’s best to file one in most cases. But there are certain situations where the decision isn’t very straightforward:
Should I file an insurance claim for minor damage?
It depends. If another driver was involved and you’re confident they were at fault in the accident, you can choose to file a claim as opposed to paying out-of-pocket for repairs—even seemingly minor ones.
This is a worthwhile consideration as the costs—and associated wait times—for vehicle parts continue increasing.
Can I get a damage estimate before filing a claim?
Yes, you can. Comparing the estimate to your deductible can help you determine if filing a claim is financially worth it—especially if your deductible is significantly higher than the estimate.
When is the right time to file an insurance claim?
The sooner you’re able to file your claim after the accident, the better. As long as you can provide the essential details of the incident, you can help get the process moving. Remember, you can provide additional information later as it comes to light.
How long after an accident do you have to file an insurance claim?
That depends on your state’s statute of limitations—and, in some cases, on your insurance policy. Check out all states’ car accident statutes of limitations, current as of May 2025.
When to file a claim: FAQs
If you think you may be partially at fault in the accident, or if you’re not totally sure, start by contacting your own insurance company and explaining the situation. They can help take the lead on the investigation.
Your insurance premiums likely won’t increase just because you file a claim. That said, if the claim adjuster ultimately determines that you were partially or fully at fault in the accident, your insurance provider could choose to increase your rates.
In most cases, canceling your claim won’t impact your rates. But keep in mind that your insurance company will still know about the incident even if you cancel your claim, which could factor into your future premiums.
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