How to File an Insurance Claim: Step-by-Step Guide (2025) Filing an insurance claim doesn’t have to be stressful. Whether it’s for a car accident, home damage, or medical expense, following the right steps can make the process smoother — and faster. Here’s a step-by-step guide to filing a claim in 2025. Step 1: Document the Incident Take clear photos or videos of the damage or injury Write down what happened — time, location, people involved Keep receipts or medical bills if applicable Step 2: Notify Your Insurer ASAP Most insurers require immediate notice. Use their mobile app, website, or call the claims hotline. Provide basic info about the incident and your policy number. Step 3: Complete a Claim Form You’ll need to submit an official claim form, either digitally or on paper. Attach all required documents, like police reports, repair estimates, hospital bills, or receipts. Step 4: Work With the Claims Adjuster An adjuster may contact you to assess the damage or verify ...