car crash accident on the road

Being in a car crash is stressful. Even if you’re a safe driver, accidents can – and do – happen. Learning about the insurance claims process ahead of time will take some of the worry out of the experience. Learn what to do if you’ve been in an accident and how to file your claim with Foremost County Mutual Insurance.

Immediately After the Accident

In the immediate aftermath of the accident, you’ll want to check and make sure everyone involved is OK. Pull your vehicles to the side of the road and out of traffic. Call the police and emergency medical services as necessary. While waiting for help to arrive, take a couple of deep calming breaths and prepare yourself for the next steps.
Calling the police to file a report can make your insurance claims process easier. Sometimes, police won’t report to the scene of an accident unless there’s an injury. If this is the case in your municipality, head down to the precinct after the accident and request a report. The sooner you complete this step, the easier the claims process will be.

Gather Evidence for the Claims Adjustor

After a car accident, there’s a lot of downtime waiting for tow trucks to arrive and for police to finish filing paperwork. Take this opportunity to document the accident scene. Take pictures of the damage to your vehicle, the other driver’s vehicle, and surrounding property damage. Focus on the quality of pictures, rather than the quantity.

This is also a good time to swap insurance information with the other driver. You can find your policy number and claims information on your Foremost County Mutual Insurance Card. Ask for any email addresses or phone numbers from other witnesses.
A claims adjustor will likely conduct his or her own investigation of the damage, but having more evidence won’t hurt. It may even speed up your claims process.

Filing a Claim

Shards of car glass on the street

Foremost County Mutual Insurance allows you to file a claim online. While you may still file by phone, email allows for the most expedient resolution to your claim. Once you’ve filed a claim, you’ll be contacted by a claims adjustor in charge of your case.

An adjuster will point you to a body shop for an inspection. During an inspection, a mechanic will look over your vehicle, assess the damage, and provide a quote for repairs. Once the inspection is complete, an adjuster will look over witness accounts, police reports, and other evidence before offering a settlement to pay for repairs.

While you have the option of beginning repairs before you receive a settlement check, this isn’t always wise. If possible, wait for the payout before authorizing a mechanic to begin repairs on your vehicle.

Checking Your Claim Status

For the most up to date information about your claim, retain your claim number and follow it online. You may also call (800) 527-3907.
When filing your claim online, you’ll need the following information:

  • Your name and policy number
  • License plate numbers for everyone involved
  • Names and phone numbers of all involved in the accident, as well as witnesses
  • Driver’s license numbers
  • The start and end date of your policy, and;
  • The date and time of the accident.

When to Contact a Personal Injury Attorney

If an insurance company determines you have any degree of fault, you may get a low-ball offer. If your insurance settlement isn’t enough to cover your medical expenses or lost wages from missed work, get in touch with a personal injury attorney. They’ll conduct their own investigation and, if they take your case, will do everything in their power to ensure you have enough to move forward.