Car

Accidents and insurance

Image of car accident

Before an accident, understand your insurance policy. To find out what is covered:

  • Call your insurance agent or company.

  • Find your last renewal billing.

  • Look on the "Declaration" page at the front of your insurance policy. This page lists each vehicle and the type of coverage you have. 

Contact your insurer ASAP

Contact your insurance company as soon as possible. Most policies require prompt notification of a claim.

Exchange information

If you have a camera or a camera cellphone, take pictures of the accident scene and damage to all vehicles involved, even if it is a one-car accident. If you don't have a camera, sketch how the accident occurred. 

Get the other driver's name, address, phone, vehicle license number, driver license number, insurance company name, and insurer's phone number. Ask witnesses for their names and phone numbers.

Notify police

Call the police. Depending on the circumstances, an officer may not come to the scene.

File a report

File an accident report if the accident causes any injury or death or causes more than $1,500 damage to any vehicle and a vehicle is towed from the scene. Check with the Oregon Driver and Motor Vehicles (DMV) for details. 

Investigation

The insurance company has up to 45 days to investigate the accident to determine who is responsible for what share of the damages. ​

Key links

Oregon Department of Motor Vehicles 
Your rights if your car is totaled

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GET THE HELP YOU NEED

1-888-877-4894

or email

cp.ins@state.or.us

Connect with an insurance expert.