Navigating the Car Insurance Claim Process: Essential Steps and Tips

Filing a car insurance claim, especially after an accident, can be equal parts confusing and intimidating.

Thankfully, the claims process is often not as complicated as many think. Still, we’re here to walk you through the entirety of the claims process, including step-by-step instructions and additional tips for filling effectively.

What Is an Auto Claim?

A car insurance claim is a formal request you make, as a policyholder, to your insurance company to cover losses or damages sustained to your vehicle.

When you're involved in an accident, experience theft, vandalism, or any other incident that is covered by your policy that results in damage to your car, you can file a claim.

The process typically involves contacting your insurance company, providing details of the incident and submitting any necessary documentation — such as photos of the damage or a police report. After reviewing the claim, the insurance company will determine the appropriate payout or coverage to provide you based on the terms of your insurance policy.

How To File an Auto Insurance Claim (It’s Super Easy)

1. File your car accident claim

Reporting your claim is easy through our online portal. Before beginning the reporting process, make sure you have the date and approximate time of the accident and one of the following:

• Policy Number.
• Phone Number.
• Driver's License Number.
• Vehicle Identification Number (VIN).

You’ll also want to provide as many of the following as possible to help smooth the process:

• Your personal contact information.
• Contact information for drivers, passengers and witnesses.
• The police report if available.
• Photos of vehicle damages or the scene of the accident.
• A description of damages to vehicle or property.
• A description of any injuries sustained.

2. An adjuster will contact you

Once you have filed your claim, an adjuster will be assigned to you and will contact you shortly to begin their investigation. For streamlined communication, ask your adjuster about two-way texting for claim updates, document sharing, and more.

3. Damage is evaluated

During the investigation, your claims adjuster will evaluate the damage to your vehicle and let you know what kind of inspection you need.

For minor damage, you may be able to submit photos. However, for more severe damage, an inspector may be assigned to come see your vehicle in person.

4. Get an estimate and schedule repairs

Once the damage evaluation is complete, your adjuster will reach out to you with an estimate and to help you schedule repairs to your vehicle. You’re free to take your vehicle to any repair shop you wish; however, if you don’t already have one in mind, our Kemper Repair Network can help you find a reliable shop that provides quality service.

Simply enter your ZIP code or search by address and see Kemper-partnered shops in your area.

5. Claim is paid

Your claim payment can be made directly to you or the repair shop that’s responsible for your vehicle — whichever option is more convenient for you. That’s it!

Tips For Filing an Auto Claim Effectively and Efficiently

While we strive to make the claims process as straightforward as possible, there are a few ways you can help streamline the process even further to ensure you receive prompt, uninterrupted service:

• Notify your insurance company promptly: Contact your insurance provider as soon as possible after the accident to report the incident and initiate the claims process. Some insurance companies impose time limits on claims, meaning you may no longer be eligible for insurance coverage if you wait too long to report the accident.
• Provide accurate information: Be honest and accurate when providing information to your insurance adjuster, including details about the accident, the extent of damage, and any injuries sustained.
• Have patience: The claims process can take time, especially if there are various complexities involved. It’s important to be patient and have reasonable expectations throughout the process, communicating with your adjuster when necessary to move things forward.
• Follow instructions: Your adjuster may reach out to you throughout the claims process to verify information or gather additional details. Cooperate and follow all instructions and requests to avoid any unnecessary hiccups.

Common Car Insurance Claim Questions, Answered

How does insurance work when it’s not your fault?

Even when an accident isn’t your fault, you're still required to follow insurance procedures, including reporting the incident and filing a claim.

Will my insurance rates go up after an accident?

Whether your insurance rates will go up after an accident depends on several factors, including the severity of the accident, who was at fault, your driving history, and the specific policies of your insurance provider.

It's essential to review your insurance policy and understand the terms regarding accidents and rate changes. Additionally, discussing the situation with your insurance agent or provider can provide clarity on how an accident might impact your rates.

What does an insurance claim cover?

Auto insurance claims typically cover a variety of expenses and damages resulting from an accident. The specific coverage provided by your auto insurance policy may vary depending on the type of coverage you have and the terms of your policy.

With Kemper, you can get coverage for:

• Property damage liability.
• Vehicle damage.
• Med pay or Personal injury protection.*
• Bodily injury liability.
• Roadside assistance.

*In Florida, each driver will file a claim for personal injury with their own car insurance company regardless of fault.

Affordable, Personalized Auto Insurance

Kemper is committed to improving insurance for the everyday customer. We offer affordable, personalized insurance for individuals, families, and businesses that’s easy to use.

Want to learn more? Request a quote.

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.