Here are the insurance claim pages for some of the biggest insurance companies. Many have options to file a claim online.
After you file a claim, you will be contacted by an insurance company representative, known as an insurance adjuster. Get the adjuster’s full name and contact information, and the claim number.
Adjusters are usually friendly and helpful. Just remember that they work for insurance companies—not for you.
They do, however, have an obligation to protect your interest and treat you fairly.
Ask the adjuster if there is Personal Injury Protection (PIP) or MedPay on the policy. If so, ask if there is a separate insurance adjuster for the PIP/MedPay.
Be polite to the adjuster, but remember: their job is to pay as little as possible for your claim. Adjusters will look for any possible reason to deny part of your claim. Anything and everything you say may be used against you.