How Auto Insurance Works After an Accident

Knowing what to do following an accident can make a stressful situation more manageable. Primo Tax & Insurance is here to help you learn more about auto insurance and understand how the claims process works.

Steps to Take After an Accident

If you’re involved in an accident in Texas, your safety comes first. Follow these steps:

• Move to a safe location if possible and check for injuries.
• Call emergency services if anyone is hurt or if there’s significant property damage.
• Exchange information with the other driver; get their name, contact details, insurance information and vehicle details.
• Take photos and videos of the scene, vehicle damage and any relevant road conditions.
• Notify law enforcement and obtain a police report if required.
• Contact our team at Primo Tax & Insurance as soon as possible to report the accident.

How the Claims Process Works

Our agents can guide you through the claims process once you’ve reported the accident. The process is typically as follows:

1. Claim filing—We can help you submit the necessary details about the accident, including documentation and photos.
2. Investigation—Your claim will be reviewed to determine what happened and who may be at fault, as Texas is an “at-fault” state.
3. Coverage review—We can explain what your policy covers and discuss any deductibles that may apply.
4. Damage assessment—An adjuster may inspect your vehicle to estimate repair costs.
5. Resolution—Once approved, we can coordinate payment for repairs or replacement and help you understand any out-of-pocket costs.

We’re Here to Help

If you’re a driver in San Antonio, TX, Primo Tax & Insurance can help answer your questions, discuss coverage options and support you every step of the way. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.