How to File an Insurance Claim
A step-by-step guide to navigating the claims process
When Should You File a Claim?
File a claim when you experience a covered loss that exceeds your deductible — car accident, theft, fire, water damage, or any event your policy covers. Report the claim as soon as possible — most policies require prompt notification.
💡 When NOT to File
If the damage is minor and close to your deductible amount, consider paying out of pocket. A claim on your record can increase your rates at renewal. For example, if your deductible is $500 and the repair is $600, it may not be worth filing for a $100 payout.
Step-by-Step Claims Process
Ensure Safety First
Make sure everyone is safe. Call 911 if there are injuries. Move to a safe location if possible. Turn on hazard lights.
Document Everything
Take photos/videos of all damage, the scene, license plates, and road conditions. Get names and contact info of all parties and witnesses.
File a Police Report
For accidents, call the police and get a report number. A police report is critical evidence for your claim. In California, you must report accidents with injuries or $1,000+ in damage to the DMV (SR-1 form).
Contact Your Insurance Agent
Call FasTrak Insurance at (323) 537-2083 as soon as possible. We'll guide you through the process and file the claim with your carrier on your behalf.
Don't Admit Fault
Be cooperative but don't apologize or admit fault at the scene. Let the insurance companies and police determine fault based on evidence.
Get Repair Estimates
Get 2-3 repair estimates. Your insurer may send an adjuster or direct you to approved repair shops.
Review the Settlement Offer
The insurance company will make a settlement offer. Review it carefully — you can negotiate if you believe it's too low. Don't sign anything you don't understand.
Complete Repairs
Once the claim is approved, get your vehicle repaired. Keep all receipts. If using a rental car, confirm it's covered by your policy.
What Information You'll Need
📋 At the Scene
- • Photos of all damage and the scene
- • Other driver's name, phone, insurance info
- • License plate numbers
- • Witness names and contact info
- • Police report number
- • Location, date, and time
📞 When Calling Your Agent
- • Your policy number
- • Date, time, and location of incident
- • Description of what happened
- • Police report number
- • Other party's insurance information
- • Photos and documentation
Get Your Free Insurance Quote Today
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Tips to Maximize Your Claim
- Report immediately — Delays can raise red flags and complicate your claim
- Over-document — Take more photos than you think you need. Video is even better
- Keep a claim diary — Log every phone call, email, and interaction with the insurer
- Don't accept the first offer blindly — Review the estimate against your repair quotes
- Know your policy — Understand your deductible, coverage limits, and rental car provisions
- Use your agent — That's what we're here for. FasTrak Insurance advocates on your behalf throughout the claims process
Frequently Asked Questions
How long do I have to file a claim?
Most policies require "prompt" notification — typically within 24-72 hours for auto claims. Property claims may allow more time. However, file as soon as possible to avoid complications.
Will filing a claim raise my rates?
Not-at-fault claims generally don't raise rates. At-fault claims typically increase rates for 3-5 years. One claim usually has less impact than multiple claims. Talk to us about your specific situation.
What if the other driver's insurance won't pay?
If the other driver is at fault and their insurance won't cooperate, your uninsured/underinsured motorist coverage kicks in. This is why we always recommend carrying UM/UIM coverage.
Can I choose my own repair shop?
In California, you have the right to choose your own repair shop. Your insurer may recommend preferred shops, but you're not required to use them.