In many cases, you should promptly report auto insurance claims to your insurance agency. Some carriers prefer that you report claims directly to the insurance company and provide 24-hour claim reporting numbers. Keep in mind that a third-party service may handle after-hours calls and may not have detailed information about your specific policy or coverage.
When to Report a Claim Right Away
If an accident involves injuries, report the claim to your insurance company as soon as possible.
For accidents without injuries, your options may depend on the circumstances. You may choose to file a claim with your own insurance company or, when another driver is responsible, pursue the claim through that driver’s insurer.
What to Consider With a Minor Accident
Factors such as your deductible, the extent of the damage and your recent claims history may all be worth considering before deciding how to proceed.
Even a minor claim can sometimes affect your future premiums or coverage eligibility, even if the insurer ultimately closes the claim without payment. That’s why it can be helpful to speak with your insurance agent before making a decision when the situation isn’t urgent.
Not Sure What to Do? Call Your Agent
If an accident happens after hours and you’re unsure what to do, you can contact the agency and leave a message. Agency personnel can return your call and help you understand the appropriate next steps.
Whether you report the claim directly to the insurance company or through the agency, we’re here to help you navigate the process.
Updated September 20, 2026
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