Filing a Car Insurance Claim? Avoid These Common Mistakes

Whether it’s a fender bender or a major collision, filing a car insurance claim is something every driver should know how to do. Unfortunately, small errors can lead to delays—or even claim denial. In this guide, we’ll walk you through how to file correctly and what pitfalls to avoid.

Mistake #1: Waiting Too Long to Report the Accident

Time is critical. Most insurance policies require claims to be reported within a few days. Delaying could affect your eligibility.

Mistake #2: Not Gathering Enough Evidence

Before leaving the scene, capture photos, gather witness names, and get a copy of the police report if applicable. Insufficient evidence weakens your case.

Mistake #3: Admitting Fault Too Early

Even if you feel responsible, don’t say so at the scene. Let your insurer and law enforcement determine liability.

Mistake #4: Forgetting to Read Your Policy First

Understanding your deductible, coverage limits, and exclusions helps avoid surprises during the claim process.

How to File It Right

Contact your insurer ASAP
Submit all necessary documents and evidence
Be honest and consistent in your statements
Follow up regularly on claim progress

Bonus Tip: Use the Insurer’s App

Many major providers have apps that let you upload documents, track claims, and chat with adjusters directly.

Conclusion

Filing a car insurance claim doesn’t have to be complicated—as long as you avoid common mistakes and follow proper steps. Stay calm, be thorough, and let your insurer guide you through it. The smoother your claim process, the faster you’ll be back on the road.