Will my car insurance company call me after an accident?

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Feb 21, 2017

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Here's what you need to know...
  • If you are involved in an accident, you should notify your insurance agent as soon as possible
  • After you file your insurance claim from the accident, your insurance company will contact you
  • If you do not hear from your insurance company a few days later, contact them again

If you are involved in an accident, it is always best for you to contact your insurance agent as quickly as possible.

Immediately notifying your provider will help speed up the car insurance claim process and have the repairs done in a timely manner.

Mostly likely it will be weeks before your insurance agent will contact you or find out about an accident if you do not report it to them first.

You should always take the incentive to contact your insurance agent as soon as possible.

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Why is it important to get in touch with my car insurance company promptly?


Getting in touch with your provider will allow you to get the car insurance claim filed and handled quickly.

There are times when your ability to access those funds is essential to paying the medical bills resulting from an accident.

Rather than waiting for the company to contact you, take the initiative and call them immediately.

Normally when an insurance agent or claims representatives contacts you, they are looking for details regarding the accident.

They then process the information to determine who is at fault, what will and will not be covered, who will pay for the repairs of the damage, and the amount that will be paid out.

How does the insurance claims process typically work?


The majority of car accidents in the United States are minor and do not usually involve severe injuries. Unfortunately, even minor car accidents can result in expensive car damage.

The common claims process is fairly simple. When the policyholder is in an accident, they call their insurance company and file a claim.

The insurance company then sends out a claims adjuster to look at the damage and estimate how much it would cost to repair.

After the claims adjuster files their report, the car insurance company issues a check for that amount to the policyholder for the repairs to the car.

The main thing that the claims adjuster and insurance provider are looking for in a claim is proof of damage and/or injury.

What are the basic steps to filing a car insurance claim?


The first step after any car accident, no matter how minor, is to call the police. Only call 911 if there is a significant medical need.

Calling the police is necessary because in most cases, a car insurance provider will not process a claim without a police report.

The second step is for the policyholder to exchange information with the other driver involved in the accident. Make sure you get the other driver’s license plate, insurance information, and contact information.

After getting the other driver’s information, the policyholder should then get the information of any witnesses that saw the accident.

A third-party witness is important if the other driver is at fault for the accident but decides to blame the policyholder instead.

The policyholder should call their car insurance provider as soon as possible. Most large insurance companies have a 24-hour claims service, so call the insurance company directly from the accident site.

The number for the claims service is typically located on the policyholder’s insurance identification card.

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Will my insurance company call me after an accident if I am not at fault?

Many people believe that they do not have to file a claim with their insurance carrier if they are not at fault for the accident, but this is not true.

The policyholder should always keep their insurance provider aware of the situation.

Whoever the policyholder speaks with when they call the claims service will direct the policyholder on the next steps they should take and will follow up with the policyholder as necessary.

Often it can be tricky to get an insurance company to pay for your vehicle’s damages if you are not their client. 

If you do not inform them that there was an accident, it can take a while before the insurance company becomes aware of it.

What questions will my car insurance company ask me after an accident?


After reporting the accident, your insurance agent may contact you to get the details surrounding the accident.

The details help determine who was at fault, what is covered, what kinds of repairs are needed, and who will be paying for those repairs.

If you leave a message for your insurance agent or have questions regarding your car insurance claim, it is the responsibility of the insurance company to call you back.

If it has been a few days and you still have not heard from them, you may want to try to contact them again.

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