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. In fact, oftentimes your insurance provider requires you to file a claim—especially if the accident resulted in:
Bodily injuries (to you, passengers, other drivers, or pedestrians)
Vehicle damage
Other property damage
Need to file a claim?
Our in-house claims team will work with you to help resolve your claim quickly and fairly.
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
If the police came to the scene, there will be a police report of the accident. Be sure to mention this when reporting your claim, so the claim representative can collect vital information from it.
When not to file a claim after an accident
Most auto insurance policies require the insured to file a claim no matter the circumstances. Let’s explore the answers to two common questions.
Should I file an insurance claim for minor damage?
Yes. Filing a claim is likely the best choice—and not just because it's possible your insurance policy may require you to report the accident. As materials and labor for vehicle repairs get more expensive, having the opportunity to reduce or eliminate out-of-pocket expenses following an accident is worth the effort of reporting the claim.
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 April 2025.
When to file a claim: FAQs
Many elements contribute to determining fault. Report the accident to your insurance carrier, as it’s often required by insurance providers, regardless of whether you believe you are at fault or not. They can help take the lead on the investigation.
Insurance rates are determined by a number things. If you file a claim and are found to be at fault for an accident, you may experience a surcharge at renewal.
No. Insurance companies allow you to explore your options before you officially file a claim. However, some providers may document the conversation.
If an insurance company decides to raise your premium, it will typically stay at that level for a few years, depending on your insurer and the circumstances of the accident.
Yes. Many providers require their insureds to file a claim. No matter the circumstances, it’s best to file a claim as soon as possible after an accident.
Yes—it’s best to file a claim as soon as you can, regardless of the incident. If another driver is at fault, you’d file a third-party claim with their insurance company. It’s also best to file a claim with your own provider. That way, the insurance companies can work together to resolve the claim.
Related resources or services
How to file a third-party claim
A third-party insurance claim is one you file with someone else’s insurance company when you believe you’re entitled to compensation following an accident.
What’s the difference between first-party and third-party claims?
Learn about the key difference between these types of claims and when to file each.
How long after a commercial vehicle accident can you file a claim?
Time limits can vary depending on certain circumstances. Explore best practices for when to file a claim.