Filing an Auto Insurance Claim in Cape Coral, FL

Navigating the aftermath of an auto accident can be overwhelming, especially when filing an insurance claim. Before worrying about your auto insurance, make sure everyone involved in the accident is safe. If there are injuries, call 911 immediately to get medical assistance.

File a Police Report

Even if there are no injuries and the accident is minor, call the local non-emergency policy number to report the accident and ask dispatch to send an officer to create a police report. You may need to provide your insurer with this report as part of the documentation requirement when you file an insurance claim. 

Record details about the accident, such as the date, time, location and a description of what happened.

If you feel safe doing so, document the damage by taking photos of the accident scene, including all vehicles involved, any property damage and relevant road conditions while waiting for the police to arrive.

Notify Your Insurance Company

Contact your insurance company as soon as possible to report the accident. Include any documentation you’ve gathered.

They may ask for your policy number, details of the accident and police report information.

Work With Your Insurance Adjuster

An insurance adjuster will assess the damage, determine the extent of liability and calculate the amount of compensation you are entitled to, according to your current coverage and the terms and limits of your auto insurance policy.

Be responsive and cooperative with the adjuster. Provide any additional information or documentation they request to support your claim. This may include repair estimates, medical bills and witness statements.

Your insurance company may require an inspection of your vehicle to assess the damage. They may send the adjuster to evaluate the extent of the repairs needed.

You can often choose your repair shop, but make sure it is approved by your insurance company to avoid any complications.

Contact Us

Contact Best Florida Insurance Services, Inc. in Cape Coral, FL, to review your current auto insurance coverage and get a personalized car insurance quote.

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.