Nobody plans for the moment right after a car accident, which is exactly why it helps to know the steps ahead of time. A clear process makes filing your Sacramento auto insurance claim faster and less stressful when it actually happens.
Immediately After the Accident
- Check for injuries and call 911 if anyone is hurt or if the accident is serious
- Move vehicles out of traffic if it’s safe and legal to do so
- Call the police to file a report, especially for any significant accident
- Exchange information with the other driver – name, insurance, license plate, and contact details
- Photograph the scene, vehicle damage, license plates, and any visible injuries
- Get contact information from any witnesses
Contact Your Insurance Company Promptly
Most policies require or strongly encourage prompt reporting. Contact your insurer or agent as soon as reasonably possible, even if you’re not sure yet whether you’ll file a full claim. Reporting early protects your position and starts the process moving.
What to Have Ready When You Call
- Your policy number
- Date, time, and location of the accident
- The other driver’s information and insurance details
- The police report number, if one was filed
- Photos and any witness contact information
What Happens After You File
An adjuster will typically be assigned to evaluate the damage and determine fault, using the police report, photos, and any statements collected. Depending on the situation, they may inspect your vehicle in person or review photos and estimates submitted electronically.
Getting Your Vehicle Repaired
Most insurers allow you to choose your own repair shop, though some offer a network of preferred shops with guaranteed work. If you have rental reimbursement coverage, this is also the point to arrange a rental vehicle while repairs are completed.
If the Other Driver Is Uninsured
If you’re hit by an uninsured or underinsured driver, your own uninsured motorist coverage – if you carry it – becomes the primary way to recover costs. This is one of the clearest reasons this optional coverage is worth having in California given the number of uninsured drivers on the road.
Common Mistakes to Avoid
- Admitting fault at the scene before all facts are known
- Delaying your claim report for an extended period
- Not documenting the scene thoroughly enough
- Accepting a quick settlement offer before understanding the full extent of damage or injuries
Frequently Asked Questions
How quickly do I need to report an accident to my insurer?
As soon as reasonably possible – most policies require prompt notice, and delays can complicate your claim.
Do I have to use my insurer’s preferred repair shop?
Usually no, you can choose your own repair shop, though preferred shops may offer certain guarantees.
What if I’m partially at fault for the accident?
California uses a comparative fault system, meaning fault can be split between drivers, which affects how claims and payouts are handled.
Get Support Through the Claims Process
Eugene C. Yates Insurance Agency can help guide you through filing an auto insurance claim after a Sacramento accident and make sure your coverage is working the way it should. Contact us today if you need assistance.