Dealing with a car accident or vehicle damage can be stressful, but knowing how to file an auto insurance claim properly ensures a smooth and efficient process. At THAgency, we’re here to guide you every step of the way—from reporting the incident to getting your vehicle back on the road. Follow this step-by-step guide to navigate your claim with confidence.
1. Ensure Safety First
Before anything else, prioritize safety:
✔ Check for injuries – Call 911 immediately if anyone is hurt.
✔ Move to a safe location – If possible, pull over to avoid further accidents.
✔ Turn on hazard lights – Alert other drivers to the incident.
2. Gather Essential Information at the Scene
Collecting the right details early helps speed up your claim process:
Exchange Information with the Other Driver(s)
Name, contact info, and driver’s license number
Insurance company and policy number
Vehicle make, model, license plate, and VIN
Document the Accident
Take photos/videos of damage, license plates, and the accident scene.
Note the time, date, and location of the incident.
Get witness statements & contact info (if applicable).
3. File a Police Report (If Necessary)
A police report strengthens your claim, especially in cases of:
4. Notify THAgency Immediately
The sooner you report the claim, the faster we can assist you. Contact THAgency within 24-48 hours to start the process.
What to Expect When Filing
5. Understand Your Coverage
Before proceeding, review your THAgency policy to know what’s covered:
| Coverage Type | What It Covers |
|---|
| Liability | Damage/injuries you cause to others |
| Collision | Your car’s repairs after an accident |
| Comprehensive | Non-collision damage (theft, weather, vandalism) |
| Uninsured/Underinsured Motorist | If the at-fault driver lacks coverage |
| Medical Payments (MedPay) / PIP | Medical expenses for you & passengers |
6. Get a Damage Assessment & Repair Estimate
THAgency may recommend a trusted repair shop for inspection.
You can also get independent estimates from preferred providers.
If your car is totaled, we’ll calculate a fair payout based on its value.
7. Pay Your Deductible (If Applicable)
Before repairs begin, you’ll pay your deductible (the out-of-pocket amount set in your policy).
8. Track Your Claim Status
Our team keeps you informed, but you can always:
✔ Check your claim status online via THAgency’s customer portal.
✔ Call your claims adjuster for updates.
✔ Review the final settlement offer with your THAgency representative.
9. Dispute a Denied or Underpaid Claim (If Needed)
If you believe your claim was unfairly handled:
Request a detailed review from your THAgency adjuster.
Submit additional evidence (photos, witness statements, repair estimates).
Speak with a THAgency claims supervisor for further assistance.
10. Trust THAgency for Hassle-Free Claims
At THAgency, we make the claims process as seamless as possible. Our experts are here to support you—from filing to resolution—ensuring you get back on the road quickly and fairly.
