Quick Reference Guide
Insurance Claim Checklist
A step-by-step guide to help you navigate the insurance claim process after an accident
Disclaimer: This checklist shares general information about Oregon insurance claims, is not legal advice, and does not create an attorney-client relationship. Speak with a licensed Oregon attorney about your specific circumstances before relying on these steps.
Insurance Claim Process Overview
Filing and managing an insurance claim after an accident can be complicated and overwhelming. This checklist will help guide you through the process to ensure you don't miss important steps and maximize your chances of a fair resolution.
Immediately After the Accident (First 24-48 Hours)
- Report the accident to your insurance company
Contact your insurer as soon as possible to report the accident. Policies require "prompt" reporting, so follow your policy's instructions and avoid unnecessary delays. Provide basic factual information about what happened, when, and where.
- Start a claim file
Create a dedicated folder or digital file to store all accident-related documents. Record your claim number, the name and contact information of your claims adjuster, and the date you first reported the claim.
- Document the accident scene
If you haven't already, take photos of all vehicles involved (showing the damage from multiple angles), the accident location, and any visible injuries. Include photos of traffic signs, road conditions, and weather conditions if relevant.
- Seek medical attention
If you haven't already seen a doctor, do so immediately, even if your injuries seem minor. Some injuries take time to manifest, and prompt medical documentation is crucial for your claim. Be sure to mention the accident as the cause of your injuries.
Initial Claim Processing (First Week)
- Review your insurance policy
Carefully read your insurance policy to understand your coverage, deductibles, and policy limits. Pay particular attention to the sections on Personal Injury Protection (PIP), liability coverage, and uninsured/underinsured motorist coverage.
- Complete claim forms
Fill out all insurance claim forms completely and accurately. Review them carefully before submission and keep copies of everything you submit. If you're unsure about any questions, consult with an attorney before submitting.
- Obtain a copy of the police report
Request a copy of the police report filed for your accident. Review it for accuracy and note any discrepancies. Provide a copy to your insurance company if they haven't already obtained it.
- Arrange for vehicle damage assessment
Schedule an inspection of your vehicle with the insurance adjuster. You have the right to get independent repair estimates as well. If there's a significant difference between your estimate and the insurance company's, be prepared to negotiate.
- Understand rental car coverage
If your vehicle is not drivable, confirm your rental car coverage with your insurance company. Find out the daily and total coverage limits and how long the coverage lasts. Get authorization in writing before renting a vehicle.
Ongoing Claim Management
- Keep detailed records of all communications
Document every interaction with insurance representatives, including the date, time, person's name, and what was discussed. Follow up important phone conversations with an email or letter summarizing what was discussed.
- Track your medical treatment
Maintain a log of all medical appointments, treatments, and medications. Collect copies of all medical records, bills, and receipts. Provide your insurance company with needed medical information, but consider consulting with an attorney before signing blanket medical authorizations.
- Document all expenses related to the accident
Keep receipts and records of all accident-related expenses, including transportation to medical appointments, medication costs, medical equipment, home care assistance, and any other out-of-pocket expenses.
- Document lost wages
If you've missed work due to your injuries, obtain documentation from your employer stating your regular work schedule, hourly rate or salary, dates missed, and any lost benefits or opportunities. Keep a record of all sick days or vacation time used because of the accident.
- Be cautious with social media
Insurance companies often monitor claimants' social media accounts. Avoid posting about your accident, injuries, activities, or legal case on social media platforms. Even innocent posts can be taken out of context and used to undermine your claim.
Claim Resolution and Settlement
- Review the settlement offer carefully
When you receive a settlement offer, review it carefully to ensure it covers all damages: medical expenses (past and future), lost wages, property damage, and pain and suffering. Don't rush to accept the first offer; these are often lower than what your claim is actually worth.
- Understand what you're signing
Before signing any release or settlement agreement, make sure you understand exactly what you're agreeing to. Once you sign a release, you typically cannot make additional claims for the same accident, even if you discover new injuries or complications later.
- Account for all liens and subrogation
Before accepting a settlement, make sure you understand all potential liens against your settlement (health insurance, Medicare/Medicaid, medical providers). Failure to properly address liens can lead to legal problems later.
- Know when to get legal help
Consider consulting with a personal injury attorney if your claim involves significant injuries, disputed liability, a denial of your claim, or an unreasonably low settlement offer. Most attorneys offer free initial consultations and work on a contingency fee basis.
Common Insurance Claim Pitfalls to Avoid
- Giving recorded statements without preparation
Be cautious about giving recorded statements to insurance adjusters, especially from the other driver's insurance company. Consider consulting with an attorney before providing any recorded statement.
- Signing blanket medical authorizations
Be careful about signing broad medical authorizations that give insurance companies unrestricted access to your entire medical history. Consider limiting authorizations to specific providers and timeframes related to your accident.
- Accepting quick settlement offers
Be wary of quick settlement offers made before you fully understand the extent of your injuries and damages. Early settlement offers are often far less than what your claim is actually worth.
- Missing filing deadlines
Be aware of all deadlines related to your claim, including the statute of limitations for filing a lawsuit (generally two years in Oregon for personal injury claims). Missing deadlines can permanently bar your right to compensation.
- Not seeking medical attention promptly
Delaying medical treatment can both harm your health and damage your insurance claim. Insurance companies often argue that delays in seeking treatment indicate injuries weren't serious or weren't caused by the accident.
Related Resources
Additional Guides for Insurance Claims
Explore these comprehensive resources to help navigate your insurance claim
Medical Documentation Guide
Learn how to organize and maintain your medical records to strengthen your personal injury claim.
Understanding Medical Bills
Learn about medical billing after accidents and how insurance coverage works with personal injury claims.
Post-Accident Checklist
Essential steps to take immediately after an accident to protect your health, safety, and legal rights.
Need Help With Your Insurance Claim?
Let Experienced Trial Lawyers Fight For You
Available 24/7 • No Fee Unless We Win
Over $50 Million Recovered for Oregon Injury Victims