Having car insurance is a requirement in Missouri. If you are looking to purchase car insurance in St. Louis or St. Charles County, our comparison shopping can help you find the best deals. Car insurance covers your expenses in the event of vehicle loss or damage.

In the event of a car accident – you will need to file a claim with your auto insurance company. This is a formal request for coverage of loss or damage.

Filing a Car Insurance Claim in St. Louis, MO?

1. If there was an accident, Call the Police:  

You will want a police report to have an official record of the accident. (This will help ensure coverage of loss or damage & protect you against fraudulent claims.)

2. If there were other driver(s), passengers, or witnesses exchange information:

When an accident occurs, you will want your insurance company to have all the information they need to provide coverage. You’ll need the driver’s name, car owner’s information, address, phone number, insurance company, policy number, driver’s license number and license plate number.

3. Call Your Car Insurance Company:

Following the accident, you’ll want to call your insurance agent as soon as possible. You might want to call them while still at the scene – your policy might include towing or rental expenses, should that be necessary.

Your insurance agent will discuss your policy with you to determine whether or not you want to file a claim. Some companies have a $1 – $750 surcharge (the amount your insurance company adds to your insurance premium after a loss). This amount can also be dependent on your driving history in the past 3 – 5 years.

Your agent is there to answer any questions, including if your losses are covered, your deductible, any time-limits to the claim process and what else to expect. If you wish to file a claim, you will need to move forward with the claims department.

4. Claim Specialist

Your insurance agent is not responsible for filing the claim. You must file your claim with the claims department.

Your claims professional, also known as an adjuster, will likely contact you for more information once you have filed a claim. Provide any information (stick to facts and avoid speculation) your adjuster requires as soon as possible to ensure a speedy process.

The claims specialist will represent you in any third party discussion. Each party’s insurance company adjuster will investigate the circumstances and legitimacy of the claim. They will work together to determine who is at fault.

5. Cost of Car Repair and Claims Payment

Depending on the fault determination by the claims specialist and the terms of your car insurance policy, you may receive reimbursement with no-out of pocket  expense or be required to pay a deductible. If you have any questions about this process, you can ask your agent – they’re there to help you.

The Milburn Agency

If you find yourself in an accident, we want you to be safe and prepared with the best car insurance policy for your situation.

As an independent insurance brokerage, our St. Louis and St. Charles County car insurance comparison shopping will maximize savings and find the best value deals for your situation.