How to File an Auto Insurance Claim in Texas

Understanding how to file a claim and knowing the available coverage options can help you handle the situation smoothly if you are involved in an accident.

Filing an Auto Insurance Claim in Texas

If you’ve been involved in an accident, follow these steps to file an auto insurance claim:

• Ensure safety and document the scene.
  • Ensure that everyone involved is safe and call emergency services if needed.
  • Take pictures of the damage and the accident location if it’s safe to do so.
  • Move vehicles to a safe location if possible.
  • Gather contact information from all parties involved, including witnesses. 

• Notify the police.
  • Your insurer may require a police report, so consider calling the nonemergency number to report minor accidents and request that an officer be dispatched to the accident scene.
  • If a police report is filed, ask for a copy.

• Notify your insurer.
  • Report the accident to your insurance company as soon as possible.
  • Provide them with the details you collected, including photos and witness statements if available.
  • Ensure that your insurance company has all the necessary information to contact the other party’s insurer or access their source of financial responsibility.

• Compete claim forms.
  • Your insurer will require you to fill out claim forms detailing the accident, damage and any injuries.
  • Provide all requested documentation, including the accident report, medical records (if applicable), repair estimates and additional evidence supporting your claim.

• Work with adjusters.
  • • A claims adjuster will be assigned to your case to review the details, inspect your vehicle and assess the damage.
    • Be aware of your coverage limits and how they affect the claim process. If you have personal injury protection (PIP) or medical payments (MedPay) coverage, understand how these will apply to medical expenses and other related costs.

  Contact Us

  If you need coverage in El Paso, San Antonio or Laredo, Texas, contact Licona Insurance Group for personalized auto insurance quotes.

   

  This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.