How do I file an auto insurance claim with Erie?

The process for how to file an auto insurance claim is much the same, no matter which provider you have insurance through. In most cases, customers are required to reach out to an agent, provide as much detail as possible about the accident, and then wait for their claim to be reviewed.

However, in some cases, individual details about the filing process may vary from one insurance provider to the next. If you’re an Erie customer and need to learn how to file an auto insurance claim with Erie, keep reading. We’re breaking down the filing process and the steps that you’ll need to follow.

Filing an Auto Insurance Claim With Erie

Filing an auto insurance claim with Erie is a straightforward process. No matter the circumstances of the accident, you’ll need to follow each of the four steps outlined below.

Begin Your Erie Claim

You’ve gotten into an auto accident. After receiving any necessary medical care, filing a police report, and getting your vehicle moved to a safe place, it’s time to start your auto insurance claim.

With Erie Insurance, you’ll need to call your local Erie insurance agent. If you don’t have contact information for a local agent, you can also call 800-367-3743.

This agent will create your claim but likely won’t ask for a full report about what occurred during the accident. This will happen during the next step of the filing process.

Reach Out to Your Erie Auto Insurance Claims Agent

After your claim is filed, you’ll need to wait for a claims adjuster to reach out for more information. This phone call will likely come within just a couple of days of filing your claim.

During this call, the Erie insurance agent will ask you a variety of questions about the accident. Even if there is a police report, the agent will likely ask you to recount the circumstances of the accident as well.

This claim will then need to be reviewed. You’ll likely be asked to confirm your insurance policy number and claims number, so it’s a good idea to have both on hand when you’re expecting the call.

Review Your Repair Options

After a claims adjuster has reviewed your claim, they’ll discuss your repair options with you. You’ll get to decide which option you’d like to choose.

For instance, one repair option that Erie offers is a photo appraisal. Instead of going to a mechanic or repair shop to get an estimate for the damages, you’ll submit photos of your vehicle, and Erie will use those photos to create a rough estimate of the repair costs.

You can choose where to get your car repaired after an accident in most cases, but if you use one of Erie’s approved repair shops, you won’t need to get an estimate first before taking your vehicle to the shop for repairs.

Settle Your Erie Auto Insurance Claim

The final step in filing an auto insurance claim with Erie is to settle your claim. How long it takes for an auto insurance company to pay out a claim depends on a variety of factors, including the severity of the crash and damage and the estimated cost to repair.

Most states have a law that states that insurance companies must review and process claims within a certain amount of time. In most cases, an insurance company must pay out your claim between 15 and 60 days of filing.

If it’s been a few days or weeks and you haven’t heard from your agent, you may opt to reach out to check the status of your claim. How to check the status of an auto insurance claim is different for every company.

For Erie Insurance, you’ll need to call the customer support line and provider your policy number and account information.

Read more: How long does it take for Erie to process an auto insurance claim?

Final Thoughts on Erie Auto Insurance Claims

You can file an auto insurance claim with Erie online or over the phone, but always make sure you have your policy information, photos of the damage, and driver and witness contact information ready before you start the process.

It can also help to have a police report to corroborate your claim. Your Erie claims adjuster will ask for this information when you file a claim.