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Steps to make a car insurance claim

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Khatir Soltani
How to get compensation for damages

Do you own a car? Then you know it's essential to be insured and to have the right coverages to be well protected against the risks associated with driving your car. Many people underestimate their car insurance. Their first criterion being price. If you don't have a claim problem, you tend to think you're throwing your money away. In the event of an accident, the right car insurance company will take care of you immediately. It will be able to cover property damage, bodily injury, and damage to others. When you sign up with a leading insurer, you will benefit from a wide range of car insurance coverage to meet your individual needs. A good car insurance offer is customizable and flexible, allowing policyholders to choose the coverage that fits their needs and budget. 

If you are involved in a car accident or your vehicle is damaged, you will need to make a car insurance claim. If, for example, you decide to purchase car insurance from Allianz, there are specific steps you need to take to make a claim and get compensation for the damage you have suffered. Here are the steps to follow:

1.    Contact the police: In the event of an accident, it is important to call the police immediately. They will make a report that will be used to investigate the insurance claim. If the damage is minor, you can contact the police online or by phone.

2.    Contact your insurer: after contacting the police, you should contact your insurer to report the loss. You can do this by calling their customer service number on your insurance policy or by using their website or mobile app to report a claim online. Make sure you have your insurance policy number, the details of the accident, and the damage you sustained ready.

3.    Document the damage: take pictures of the damage to your car and other vehicles involved in the accident, as well as damage to public or private property. This will help you prove the extent of the damage.

4.    Get an estimate: If your car needs repairs, get an estimate from a garage approved by your insurer. You can easily find a list of garages on your car insurance company's website. Your estimate should clearly indicate the repairs needed and the associated costs.

5.    File your claim: Once you have gathered all the necessary information, you can file your claim with your insurer. You can do this online or by mailing the documents. Be sure to include all necessary documents, such as photos of the damage, the police report and the repair estimate.

6.    Wait for a response: once you have filed your claim, you will need to wait for a response from your insurance company. They will review your file and assess the damage. If your claim is accepted, you will receive compensation for the damages incurred, less the applicable deductible.

7.    Make the repairs: If your claim is accepted, you can have your car repaired at a garage approved by your insurance company. If you paid the repair bill yourself, you can send the invoices and receipts to your insurer for reimbursement.

By following these steps, you should be able to file a car insurance claim with your insurer with ease. However, if you have any questions or concerns throughout the process, don't hesitate to contact their customer service department for additional help and advice.

Khatir Soltani
Khatir Soltani
Automotive expert
  • Over 6 years experience as a car reviewer
  • Over 50 test drives in the last year
  • Involved in discussions with virtually every auto manufacturer in Canada