How to File a Claim Without Delays: Step-by-Step Guide

When something goes wrong—a collision, property damage, theft—the last thing you want is a slow or confusing claims process. At Arxis Insurance Group, we believe that filing a claim should be fast, straightforward, and stress-free.

Here’s a step-by-step guide to help you avoid delays and get your claim processed as quickly as possible.

Step 1: Make Sure Everyone Is Safe

Before anything else, make sure all parties involved are safe. If there are injuries, call emergency services immediately. Your health and safety always come first.

Step 2: Document Everything at the Scene

Accurate documentation is one of the best ways to protect yourself during the claims process.

Take clear photos of:

• All vehicles involved (including license plates)
• Damage from multiple angles
• The surrounding scene (street signs, intersections, road conditions)
• Any injuries (if applicable)

Also, gather the following:

• Names and contact info of everyone involved
• Insurance and driver’s license info from other parties
• Names of any witnesses

Step 3: Notify the Police (If Required)

For auto accidents, especially if there’s significant damage, injury, or a dispute over who’s at fault, you may need to file a police report. In some states, it’s required by law.

Keep a copy of the report or report number—it may be requested by your insurance provider.

Step 4: Contact Your Insurance Agent or Carrier

As soon as possible, report the claim to:

• Your insurance company directly, using their 24/7 claims hotline or app
• Or contact Arxis Insurance Group, and we’ll walk you through the process personally

Provide all the details you’ve gathered and answer their questions honestly and thoroughly.

Step 5: Cooperate With Adjusters

Once the claim is filed, a claims adjuster may contact you to:

• Review the damage
• Request additional documents
• Discuss estimates or repairs

Be responsive and available. The faster you provide what they need, the faster your claim can move forward.

Step 6: Follow Up as Needed

Stay in touch with your agent or claims rep to check on the status of your claim. Keep records of all communications and paperwork for your reference.

Bonus Tips to Avoid Delays

• Don’t wait to report a claim. Delays in reporting can lead to questions or denied coverage.
• Don’t exaggerate or guess details. Stick to the facts you can verify.
• Ask questions. If something’s unclear, your agent is there to help.

We’re Here to Help

At Arxis Insurance Group, our job doesn’t stop when you buy a policy. We’re here to support you when it matters most.

Need to file a claim or have questions about your current policy?
Contact us today.