How Does Car Insurance Work When In A Car Accident?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Typically when you are involved in an auto accident; you will call your carrier's claims department. This number is usually located on your insurance card or you can call your local agent to retrieve it. Most carriers will take some information about the accident over the phone if this is possible and then begin the process of getting the claim processed and helping you get back to where you were before the accident up to you policies limits or the limits of the responsible party's policy.

   Answered on June 20, 2013

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