The insurance claims process is pretty simple. If you are in an accident, the first thing to do is call the police. If there are injuries, call 911. Move yourself and your car if possible off to the side of the road for safety. When the police arrive they will be sure information is exchanged and witnesses have been questioned. Contact your insurance company immediately. If possible, call them from the scene with a cell phone if it is safe to do so. You will need a copy of the police report for the insurance claims process. Be sure the officer gives you information on how to get it. You need to get something in writing before leaving the scene.
If your car needs to be towed, get a receipt from the tow company. The tow will likely be covered by insurance. In some states, the police are obligated to contact a tow company on your behalf and the tow company will have a flat rate for police tows. It might be more expensive than you expect but again, do not worry, this is just part of the insurance claim process. You can request any location for your car to be towed to.
The next step to processing insurance claims is to gt the police report to your insurance company. To process an insurance claim, the insurance company will need all the information from all parties. Continuing with the insurance claims process, the insurance company will call you and verbally ask you the details of the accident. You should expect that call. The next step in the insurance claims process is for an insurance adjuster to look at the damage and estimate what the repairs will cost. The final stage of the insurance claims process is for your insurance company working with you on any issues, the repairs will be made, and you should receive a check in a reasonable amount of time.