Questions to Ask an Insurance Adjuster After a Car Accident

Car accidents are stressful and can be traumatic events. Drivers have to deal with many issues after an accident, and the process can be overwhelming. One common source of angst for drivers is what questions to ask an insurance adjuster after a car accident. 

Knowing what to do after an accident can help things go smoothly and make life easier for drivers. With that in mind, here’s a list of questions to ask an insurance adjuster after a car accident. 

If you have additional questions about the car insurance claims process, contact GoAuto Insurance. Our team of car insurance experts works directly with drivers to make sure they have the auto insurance coverage and information they need. Call us today to learn more or get a free car insurance quote. 

How Do I File a Claim for Damages and Injuries

This is a simple question but an important one to ask. Understanding the basic steps of the claims process makes things easier for policyholders. Every company has slightly different procedures for filing a claim. 

Ask the adjuster to talk you through the claims process so that you understand the next steps and can file your claim. 

What Does My Policy Cover? 

Policyholders also need to understand exactly what their car insurance policy covers. For example, 

• Does it cover medical bills? 
• Does it pay for a rental car? 
• What are the policy limits? 

At the outset, drivers need to know what their policy does – and does not – cover. This helps make it easier to plan for repairs and next steps. 

What Information Do You Need from Me to Process the Claim?

When dealing with insurance claims, it’s helpful to know the information insurance companies need. Having this information available will avoid delays and help ensure your claim is processed as quickly as possible. 

Generally, the insurance company will need information about other parties involved in the accident. This is information you should get after an accident whenever possible. Specifically, your insurance company will likely ask for: 

• The names and contact information for all parties involved in the accident 
• Insurance information for all drivers involved in the accident
• The year, make, and model of all vehicles in the accident
• The date, time, and location of the accident

In addition, your insurance company will likely request documentation about your losses after an accident. This includes: 

• Invoices for needed repairs
• Receipts from expenses incurred because of the accident
• Medical bills 

What Is the Process for Determining Who Was at Fault? 

Insurance companies investigate accidents to determine who was at fault. This can impact how claims are processed and paid. 

After an accident, it’s helpful for drivers to ask about: 

• How the insurance company will determine who was at fault 
• How that determination will impact their claim 
• Anything the driver should do or not do to assist with the investigation

How Long Does the Claims Process Take? 

Insurance companies often have established timelines for handling cases. The exact timing can vary based on: 

• The number of parties involved in the accident
• The specific facts of the case
• The extent of injuries and damage

That said, there are some deadlines that most insurers comply with in all cases. Ask about the expected timeline for processing your claim and when you can expect payment for damages and injuries. 

Is There Any Additional Information You Think I Should Have? 

It’s always a good idea to wrap up your first conversation with an insurance adjuster by asking about any additional information you should have. Insurance adjusters are used to handling accident claims and know common questions and concerns for drivers. 

Hopefully, they’ll cover those issues without you asking, but it doesn’t hurt to remind them. You can get some key information and tips by asking this question. 

Contact GoAuto Insurance to Learn More or Get a Free Quote

If you have questions about dealing with insurance adjusters, the GoAuto team can help. We work directly with drivers to help make car insurance as stress-free as possible. Our team can discuss different types of policies and give you tips on what to expect after an accident. 

You can call us anytime or request a free auto insurance quote online.