How to File a Property Damage Claim

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Property damage claims are never fun for anyone. The at-fault driver is often embarrassed and is left feeling bad. Meanwhile, the owner of the damaged property has to deal with the hassle of getting their property repaired. Knowing the process of filing a property damage claim with the insurance company will make the process easier for both parties involved. Notably, the process of filing a property damage claim changes depending on who is at fault.

At-Fault Vehicle's Claim Process

Accidents happen. Owning up to your mistakes is not always easy, but it is definitely essential and will make the process of filing a claim easier for everyone. If you damaged someone's property, then it is up to you to take the necessary steps to notify the property owner. Leaving a note on a windshield for the owner to find could turn a frustrating situation for them into a bearable one. Imagine the situation being reversed and the frustration felt by someone finding damage to their property with no one admitting responsibility. Although you may pay more in future insurance premiums, it is worth a clear conscience, and definitely worth it. 

If you’ve damaged someone else’s property, here’s what you need to do: 

  1. Leave your policy information to the owner of the damaged property. This is essential. Leave your name, insurance company, policy number, insurance agency, and contact phone numbers. Indicating the best time to reach you is also helpful, though if you have damaged someone’s property recently, you should take care to be on the lookout for an incoming call from unknown numbers. 
  2. Collect information of the owner of the damaged property. If at all possible, you need to collect their name, phone number, and description of the damaged property. If they are not around, complete step number one and tell them to reach out. 
  3. If possible, take a photo or photos of the damage. Photos are not a requirement, but they can sure help settle a dispute if one arises.
  4. Notify your insurance agent of the claim. Damage to your vehicle can be reported and taken care of immediately depending on your coverage. Contact with the owner of the damaged property will need to be made before anything can be paid out for property damage.
  5. Repair of your vehicle is determined by the coverage you have selected on your car insurance policy. You will be required to pay your deductible. For repairs to your vehicle, however, it is typical for no deductible to be required when repairing another person's damaged property.
  6. Filing an at-fault accident most often negatively affects your insurance rates. Your rate will be recalculated at your next renewal. Expect to see an increase unless you have purchased (or your policy comes with) accident forgiveness prior to the date of the accident.

Your Property was Damaged

Finding your property was damaged by a vehicle is always frustrating. Dealing with insurance companies and being without your vehicle while it is in the shop for repairs is a hassle which usually could have been avoided. A property damage claim could go one of two ways when it is your property that was damaged.

  1. You DO know who damaged your property.
  • Get the insurance information of the vehicle which caused damage to your property. Name of the driver, insurance carrier, policy number, insurance policy number, date, time, location, and description of what happened is all important information to collect.
  • Call your insurance agent for help. Most insurance agents are happy to help you file a property damage claim through the at-fault vehicle's insurance policy. If you do not have an agent or are not having luck getting help, look up the at-fault driver's insurance carrier and get the toll free claim number. A customer service representative will walk you through the process.
  • So long as the at-fault driver admits to causing the damage, you will not have any out of pocket expense. No deductible will apply and a rental car is usually included for when your vehicle is in for repair.

      2. You DO NOT know who damaged your property.

  • Without knowing who caused the damage, you could be looking at some out of pocket expenses or worse have no coverage at all.
  • You will need collision coverage on your auto insurance policy in order to repair your damaged vehicle, even if it was caused by another driver. Your deductible will apply in most cases, although Michigan residents might get it waived depending on whether or not they have selected broad collision.
  • If property damage occurred to your home by a vehicle, your home owner's policy would cover the damage minus your deductible.

Property damage claims can have so many variables per incident. Going after the at-fault driver seems only fair although hit and run accidents occur all too often. If you are having trouble filing a claim, ask for help from your insurance agent or customer service representative.