How to File a Medical Claim on Your Auto Insurance Yourself

Start by notifying your insurer of the accident and indicating you'll be filing a medical claim; then gather all medical bills, provider statements, the police report, and photos of injuries, and submit them through the insurer's claims portal or mailing address, keeping copies for your records.

Gather Required Documentation

Collect itemized medical invoices, receipts for prescriptions, and any ancillary costs such as physical therapy. Include the accident report, photos of injuries, and a detailed timeline of treatment to substantiate the claim.

Contact Your Insurance Provider

Use the claims phone line or online account to open a new claim, providing your policy number and a brief description of the incident. Request the specific claim form if it isn't available digitally.

Complete and Submit the Claim Form

Enter accurate personal information, accident details, and list all medical expenses. Attach the documentation gathered, then send the package through the insurer's secure portal, email, or certified mail to ensure receipt.

Follow Up and Manage the Process

After submission, track the claim status via the insurer's online dashboard or by calling the claims adjuster. Respond promptly to any requests for additional information, and keep a log of all communications.

Common Pitfalls to Avoid

• Missing deadlines for filing claims—most policies require notification within 30 days.
• Submitting incomplete bills or forgetting to include provider signatures.
• Failing to keep copies of everything you send.

Comparison of Submission Options