In 2007, there were approximately 8,675,309 car crashes in the United States. What are the chances of one of those being someone we know? How many actually know what to do in this situation? Most consumers do not know the correct procedures in filing a claim with their insurance company.

While most of us pride ourselves on never having been involved in an accident, you should always be prepared for this scenario, just in case you are in an auto accident.

First, How to File a Claim

First, call 911 for police and/or medical attention. Even if the auto accident seems trivial, an officer might need to clear the scene, handle traffic, file an accident report and minor injuries might have occurred. Once the officer and medical personnel have finished, try to collect as much information about the accident as you can. Ask the officer and medical personnel to get a copy of the report filed.

The information should have the time, place, weather conditions and any other factors involving the auto accident. Make sure to write down names, addresses, driver’s license numbers and contact information from those involved. Check the report for the make, model, year, color and license plate number along with the officer’s full name and badge number.

What to do with the Insurance Claim?

Call your local car insurance provider immediately and submit the claim for the auto accident. By turning in your report as soon as possible you will better be able to remember all the details of the wreck. In some cases, insurers will deny payment if the claim isn’t submitted in a “reasonable” time period. In other words, file a claim as soon as you can, not three months down the road.

Your Car Repair Policy

In this situation, we all would want our car in working order as soon as possible. Make sure you discuss all the details of your policy with your agent. Check for details about repairs, rental car reimbursement and whether or not to use an approved repair shop. After the agent gives approval to continue with repairs, make sure to keep all receipts from expences stemming from the auto accident.

After you are involved in an auto accident your auto insurance rates may increase dramatically. If so, search for an auto insurance rate that's cheaper by comparing quotes. Websites like InsuranceRates.com can help you compare insurance companies and find a cheaper rate, absolutely free.