How to File an Auto Insurance Claim Online

Report a car accident or damage through your insurance app or website without waiting on hold.

In this guide (5 steps):

1.Make sure everyone is safe first
2.Take photos and get information
3.Open your insurance app
4.Answer the claim questions
5.Track the claim's progress

Make sure everyone is safe first

~15s

Before filing anything, check for injuries and call 911 if anyone is hurt. Move to a safe spot out of traffic if you can, and turn on your hazard lights.

Take photos and get information

~15s

Photograph all damage to both cars, the license plates, the scene from several angles, and any road signs. Exchange names, phone numbers, insurance companies, and policy numbers with the other driver.

Open your insurance app

~15s

Sign in to the app for your insurance company — like GEICO, State Farm, Progressive, or Allstate. Look for a button labeled "File a claim" or "Report an accident" on the home screen.

Answer the claim questions

~15s

The app will ask what happened, when, where, and who was involved. Attach the photos you took. Be factual — describe what happened but do not guess at who was at fault.

Track the claim's progress

~15s

Once submitted, you will get a claim number and the name of your adjuster. Check the app every day or two for updates and respond quickly when they ask for more information so the claim moves faster.

You Did It!

You've completed: How to File an Auto Insurance Claim Online

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Most car insurance companies now let you file a claim entirely online or through their app, usually within minutes of the accident. You upload photos of the damage, answer a few questions, and a claim adjuster is assigned to your case.

Filing online often moves faster than phoning because you can attach photos and documents right away instead of mailing them in.

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