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ABC's of Insurance Claims | Brownsville, TX

Let’s face it: dealing with auto insurance can be a headache. While some accidents are relatively straightforward, others might leave you scratching your head about how to proceed. However, with a few tips and a better understanding of the process, you can speed up your insurance claim and increase the likelihood it’s accepted.

The Process

An insurance claim can be filed after your car has been stolen, vandalized, damaged by the weather, or involved in an accident. You’ll want to report the accident to your insurance carrier as soon as possible, and, if all goes accordingly, you’ll be contacted by an insurance adjuster who will ask for details about the accident. Based on the type of coverage you have, the adjuster will give you information about deductibles or coverage limits that might affect your claim. Then, the adjuster will either offer you a settlement or deny the claim.

What You’ll Need

There are three things you’ll need for your claim:
  • Police report
  • Information from other party
  • Information from witnesses
You should always call the police, even if the damage is minimal or if you’re the only party involved. The police will fill out an official report, which the insurance adjuster will use for your claim. If there’s another driver involved, you should get their license number, insurance information, and any photos of the scene. Finally, if there are people who saw the collision, ask them for their information.

Settlement or Denial

Your claim may be settled or denied. If it is settled, that means the insurance adjuster investigated the details of the accident and determined how much the insurance company is liable for. There are several factors, like the value of your car at the time of the accident and the extent of the damage. If you feel you deserve more, make a case to your adjuster.

Your claim may be denied in part or whole. For instance, if there is falsified or incorrect information, if you were driving illegally, or if the insurance company is for some reason not liable, you might get a denial. If you do get denied, don’t panic. Speak to your insurance agent to see if you can reach a positive solution.

Contact Us

450 E Morrison Road


  • Monday
    7:30am - 6:00pm
  • Tuesday
    7:30am - 6:00pm
  • Wednesday
    7:30am - 6:00pm
  • Thursday
    7:30am - 6:00pm
  • Friday
    7:30am - 6:00pm
  • Saturday
    8:00am - 12:00pm
  • Sunday

Contact Information

450 E Morrison Road
Brownsville, TX 78526
Phone: (956) 350-6020
- + Disclaimers