Because dealing with an auto insurance company after a car accident can be a timely and costly ordeal, we’ve put together this article to help you navigate the claims process with Alfa Insurance. As a division of the Alabama Farmers Federation, Alfa is one of the largest insurance providers headquartered in Alabama. Alfa provides auto, home, life, and farm insurance products.

Immediately after your accident, check to make sure everyone’s alright, including the passenger in the other vehicle. Call the police even if the accident is only minor. Write down as much information about the wreck as possible, including the names and contact information for the other driver and any potential witnesses. Additionally, Alfa recommends that you do not admit liability or speak with anyone besides Alfa and the police concerning the wreck. Alfa also instructs its policy holders to make minor repairs (such as covering broken windows) to prevent further damage which could complicate the claims process. Document the damage with photographs and first-hand accounts.

Alfa recommends that you notify them of the accident as soon as possible after the wreck by stopping by any local Alfa office, visiting https://www.alfainsurance.com/claims/report-a-claim, or dialing 1-800-964-2532. They’ll need your policy number, the date, time, location and nature of your loss, the make and model of your vehicle, a description of the damage to your vehicle, the names, contact information and insurance information of those involved, including witnesses, and your contact information: work, home, cell phone numbers, and e-mail address. Even if you’re missing some of this information, go ahead and contact Alfa. 

Once they have your claim, Alfa will assign a claims adjuster to handle your case. The claims adjuster will investigate the accident, help determine fault and collect additional information, as needed. He or she will also setup a vehicle inspection to determine the extent of the damage. You decide whether you’ll utilize Alfa’s network of repair shops or if you’ll use your own shop. If you do go with your own repair shop, Alfa notes that they may request a second competitive pricing estimate. While the length of time it takes to settle your claim can vary, Alfa states that they’ll make every effort to keep the process to a reasonable time.

Even though most reputable insurance companies are eager to help, you should strongly consider consulting a personal injury attorney to help evaluate your rights and potential recovery. To ensure you aren’t barred from filing suit as a result of the statute of limitations, contact an experienced car accident attorney as soon as possible after your wreck. Mental anguish, lost wages, pain and suffering, and other car accident related damages may be recoverable. An experienced Alabama injury attorney can help ensure you get a fair settlement.

For a free and confidential consultation on your personal injury claim, call or email us today.