How to File an Auto Insurance Claim in El Paso (Step by Step)

Filing a claim feels overwhelming — especially right after a crash. The steps below break it into manageable pieces.

Step 1: At the scene

• Check for injuries and call 911 if anyone is hurt
• Move vehicles out of traffic if it's safe and they're drivable
• Photograph all vehicles, license plates, the scene, and any visible injuries
• Exchange names, phone numbers, insurance company names, and policy numbers
• Get the police report number — Texas requires reports for accidents involving injury, death, or $1,000+ in damage

Step 2: Notify your insurer

Call your insurer (or your agent — that's what we're here for) as soon as you're safe. Most carriers offer 24/7 claims hotlines. The faster you file, the faster the claim moves.

Step 3: Inspection and estimate

The carrier will assign an adjuster who inspects your vehicle, reviews the police report, and issues a repair estimate or total-loss determination.

Step 4: Repair or settlement

If your vehicle is repairable, you choose a body shop and the insurer pays the shop directly (less your deductible). If it's a total loss, the insurer pays the actual cash value to you or your lender.

Step 5: Subrogation

If the other driver was at fault, your insurer may pursue their insurer for reimbursement — including refunding your deductible if successful.