Filing an auto insurance claim can feel confusing, especially when you’re already dealing with the stress of an accident or damage. Take a breath. You’re okay. Here’s a calm, clear guide to help you understand when to file, how to file, and what to expect next.

Step One: Make sure everyone is safe

If the situation involves an accident, check for injuries first. Safety always comes before paperwork.

Step Two: Document what happened

Take photos of the damage, the scene, any other vehicles involved, and anything else that seems important. More information makes the claim process smoother.

Step Three: Gather key details

Write down the date, time, location, and a short description of what happened. If another driver is involved, collect their name, phone number, insurance company, and license plate.

Step Four: Contact your insurance agent

Reach out to your agent once you’re settled. We’ll help you understand whether filing a claim is the right move and what to expect if you do.

Step Five: File the claim

If a claim makes sense, your agent will guide you through the process. You’ll provide basic information about the incident, and the insurance company will begin reviewing your case.

Step Six: Work with the adjuster

An adjuster may inspect your vehicle or review photos to determine the damage and next steps. Ask questions if anything is unclear. You deserve to understand the process.

Step Seven: Review repair options

Depending on your coverage, you may choose your repair shop or use a preferred shop. Your agent can help you understand your options.

Step Eight: Follow through until the claim is complete

Stay in touch with your agent and repair shop until everything is finished. We’re here to help you navigate any bumps along the way.

What Not to Do

• Don’t delay reporting the incident.

• Don’t guess about what happened.

• Don’t ignore damage that could get worse.

• Don’t assume a claim will raise your rates.

Ohio Claim Tips

• Winter weather causes many claims.

• Deer collisions are typically comprehensive claims.

• Pothole damage may be covered under collision.

• Storm damage varies by coverage type.

If you need to file an auto claim and want guidance, we’re here to help.