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Single Car Accident Insurance Claim: How It Works

Last updated: April 7, 2023

If you’ve been in a single car accident and are now dealing with the consequences, one of the first things you may think about is insurance claims. This process can seem daunting and overwhelming, especially if this is your first time filing an insurance claim. 

A single car accident can be a traumatic and stressful experience, especially when it comes to dealing with the insurance claim process. Understanding how a single car accident insurance claim works can help ease some of the anxiety and confusion that may arise during this process.

Read on to learn how to make the process easier. 

What Is A Single Car Accident?

What Is A Single Car Accident?

A single car accident occurs when one vehicle is involved in an auto collision. This type of accident happens when a vehicle loses control and hits an object like a guardrail, curb, tree, or another stationary object. In some cases, the driver may be responsible for the accident due to their negligence. 

The insurance company may hold the driver responsible for damages and medical bills. Understanding insurance coverage can help you prepare for any potential costs that arise after a single car accident.

Will My Insurance Company Pay for Single Car Accidents?

Depending on your coverage, your insurance company may pay for portions of the damage incurred from a single car accident. If you have comprehensive coverage, you’ll only pay the deductive. If you don’t have one, you’ll pay for the damages from your pocket. 

Most insurance companies consider single car accidents as “at fault,” so you can expect that your premiums will increase after filing a claim. 

Steps When Filing a Single Car Accident Insurance Claim

These are the steps you should follow when filing an insurance claim:

Gather Necessary Information

The first step in the process of filing an insurance claim is gathering all necessary information related to the incident. You’ll need to have details like the date and time of the accident, a description of what happened, contact information for any witnesses present at the time of the crash, and photos or videos that capture evidence from the scene. 

Make sure you have this information readily available before filing your insurance claim. 

Contact Your Insurance Provider

Next, contact your insurance company as soon as possible. They will need to know the details of the accident, as well as any injuries or damage that occurred. It is important to have all of this information readily available.

As soon as you report the accident to the insurance company, an adjuster will assess the damage and determine the claim amount. The adjuster will consider factors such as the severity of the damage, repair costs, and vehicle value before determining the claim amount.

Wait for the Results

Once the adjusters have assessed the damage and determined the claim amount, your insurance company will either approve or deny the claim. If the claim is approved, you will be given instructions on how to proceed with repairs or replacement of your vehicle. You will also receive payment for any medical expenses or lost wages that may have occurred due to the accident.

What if Your Claim Was Denied?

What If Your Single Car Accident Insurance Claim Was Denied?

If the claim is denied, your insurance company will provide you with a reason for the denial. You can then discuss the matter with them and try to come to a resolution. If you are unsatisfied with the outcome, you can also file a complaint with your state's insurance department.

It's important to note that insurance companies have their process for investigating claims. If they find something suspicious, they can deny the claim. This may include things like providing false information or causing the accident on purpose.

It's always a good idea to familiarize yourself with your own insurance policy and the claim process before an accident occurs.

Filing A Single Car Accident Insurance Claim Shouldn’t Be Stressful

Filing an insurance claim after a single car accident may seem intimidating and confusing initially, but understanding how the insurance claim process works can make it easier. 

Be sure to report the accident as soon as possible, provide all relevant information to your insurance company, and document everything. If you have any questions or concerns, don't hesitate to contact your insurance company or the state's insurance department.

Are you still worried about and wish you had professional help? Then hire a personal injury lawyer. Learn what personal injury lawyers can do in this blog.

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Cheri Hermanson
Cheri leads our team of writers in producing the best quality content there is regarding society and disability, most especially those that helps ease the quality of life for our differently-abled loved ones.
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