If you’ve just been in a car accident, your stress levels are probably through the roof. Between making sure everyone is okay, dealing with the damage, and figuring out what to do next, the last thing you want is a confusing claims process. At T.S. Peck Insurance, we understand that Vermont drivers need clear, calm guidance during a difficult time. Whether it’s a minor fender bender in Burlington or a more serious incident on I-89, filing a car insurance claim doesn’t have to be overwhelming. Here’s how you can get through it without losing your mind.
What Should You Do Immediately After a Car Accident in Vermont?
First, make sure everyone is safe. If there are injuries, call 911 right away. Once it’s safe, move your vehicle out of traffic if possible and turn on your hazard lights. Then, start documenting the scene. Take photos of the damage to all vehicles involved, the surrounding area, and any road conditions that may have contributed to the accident.
Exchange information with the other driver, including names, contact details, license plate numbers, and insurance info. If there are any witnesses, get their contact information as well. In Vermont, it’s also important to report the accident to local law enforcement, especially if there’s significant damage or injuries involved.
When Should You Contact Your Insurance Agent?
As soon as you’re in a safe place, reach out to your insurance agent. At T.S. Peck Insurance, we recommend contacting us as early as possible so we can help guide you through the next steps. Your agent can explain what information is needed, how to submit your claim, and what to expect during the process.
The sooner you get in touch, the sooner your Vermont auto insurance policy can start working for you. Even if you’re not sure whether you want to file a claim, it’s a good idea to talk with your agent so you understand your options.
What Information Will You Need to File a Claim?
To keep the process moving smoothly, gather as much information as you can:
- Your insurance policy number
- Date, time, and location of the accident
- Description of what happened
- Photos of the damage
- A copy of the police report, if available
- Contact details for any other drivers, passengers, or witnesses
Having these details on hand can help reduce delays and make your claim easier to process.
How Does the Claims Process Work with Vermont Car Insurance?
While the specifics can vary by insurer and policy, the basic process generally follows a few standard steps:
- Claim submission – You or your agent file the claim with your insurance company.
- Claim review – An adjuster is assigned to your case and will review the details, possibly contacting you for more information or arranging an inspection of your vehicle.
- Damage evaluation – Your vehicle is inspected, either by the adjuster or at an approved repair shop.
- Coverage determination – Based on your policy and the adjuster’s findings, the insurer determines what is covered.
- Payment or repair – Depending on your policy, you may receive payment or your insurer may work directly with a repair shop.
Your T.S. Peck Insurance agent will be with you throughout the process, answering questions and helping to coordinate communication with the insurance company.
What Should You Expect During the Claims Process?
Filing a car insurance claim in Vermont doesn’t always lead to immediate results. It’s normal for the process to take some time, especially if there are multiple parties involved or extensive damage. Keep in mind that your cooperation and prompt communication can go a long way in speeding things up.
You may be asked for additional documentation or clarification about the incident. Make sure to keep all your receipts, emails, and other communications in one place. It’s also a good idea to track any expenses related to the accident, such as towing or rental car costs.
Can You Choose Your Own Repair Shop in Vermont?
In many cases, yes. Most Vermont auto insurance policies allow you to choose your own repair shop, although your insurer may also recommend preferred vendors. Using a preferred shop can streamline the process and may come with additional guarantees on the repair work.
If you do choose your own shop, just be sure to keep your insurer in the loop. Your adjuster may need to coordinate with the shop directly for estimates and approvals.
What Happens If the Other Driver is Uninsured?
Vermont requires drivers to carry liability insurance, but unfortunately, not everyone complies. If you’re involved in an accident with an uninsured driver, your own auto insurance policy may include uninsured motorist coverage. This type of coverage may help pay for your damages and injuries, depending on your policy.
Your agent at T.S. Peck Insurance can walk you through what your policy may cover in this scenario and help you understand the next steps.
How Can You Make the Process Less Stressful?
The best way to reduce stress is to be prepared. Here are a few tips:
- Know your policy and what it may cover.
- Keep your insurance card and emergency contacts in your vehicle.
- Download your insurer’s mobile app if they have one—it may simplify reporting.
- Save your agent’s contact information in your phone.
Most importantly, don’t go it alone. When you work with a local Vermont agency like T.S. Peck Insurance, you have a team ready to advocate for you and help manage the details.
Need Help with a Car Insurance Claim in Vermont?
Accidents happen—but they don’t have to derail your life. Whether you’re dealing with a minor scrape or a major collision, having the right guidance can make all the difference. Contact T.S. Peck Insurance for support with your Vermont car insurance claim. We’re here to help you move forward, one step at a time.