Filing an auto insurance claim can be a stressful and overwhelming process, especially immediately after an accident. While insurance companies try to make the claims process as simple as possible, simple mistakes can cause unnecessary delays or even a denial of your claim. Here are a few important do's and don’ts to follow when filing an auto insurance claim.


Collect evidence from the scene.

The more information you can provide to your insurance agent, the faster they’ll be able to process your claim. Remember to take photos of the damage to your car and any other vehicles involved. The names and contact information of any witness, along with a copy of the police report, will make the claims process much easier.

Read your policy.

auto insurance

Before filing a claim, carefully read your insurance policy. This will help you understand what is and isn't covered, as well as any deductibles or limits that may apply. You may find that you have benefits you didn't know about or that paying for the damage yourself is a better financial decision.


Admit fault.

After an accident, you might be tempted to apologize to the other driver. Unfortunately, these statements can have a dramatic impact on your auto insurance claim. Admitting fault can impact your ability to receive compensation, and can even result in your insurance rates going up. Even if you think you may have been at fault, let your insurance company and the police determine who is responsible for the accident.

Delay filing your claim.

After an auto accident, filing an insurance claim may seem like something that can wait. However, many insurance policies have strict time windows during which you can file a claim. If you try to file after the deadline, the insurance company may deny your claim even if you have ample evidence. To ensure you’re compensated for your damages, it’s best to start the claims process as soon as possible.


With experience and access to policies from some of the industry’s leading providers, JMS Insurance Agency provides exceptional service to drivers throughout Fort Bend, Harris, and Montgomery counties in Texas. They pride themselves on delivering the best coverage at reasonable rates and making the claims process as easy as possible. Visit their website for more on their auto insurance services, or call (281) 494-1500 to request a quote.