Can AI help me file a car accident claim?
Half. It organizes what to gather and writes a factual summary for your insurer, but it can't decide fault or tell you what you're owed. Your adjuster, and a lawyer if someone was hurt, handle that.
01Why half-bot
- Checklists and factual summaries are AI strengths.
- Fault and coverage depend on your policy and local law.
- It keeps your statement to facts, which protects you.
Sponsor slot · openFeatured tool for this task. A labeled card for one relevant tool.
Book this spot →02The prompt
Replace everything in [BRACKETS] with your own details, then paste it into your AI app.
You are an insurance claims advisor. This is not legal advice. What happened: [DATE, PLACE, WHAT HAPPENED] Damage and injuries: [DETAILS] What I've collected: [PHOTOS, OTHER DRIVER INFO, POLICE REPORT NUMBER] Your task: help me file and follow up. Rules: - MUST give me a checklist of what to gather. - MUST keep my summary to facts, with no guesses about fault. - NEVER tell me what I'm owed; give me questions for my adjuster. Give me: the checklist, a summary under 150 words, and 5 questions for the adjuster.
03Steps
- Make sure everyone is safe and call police if needed.
- Take photos and exchange info.
- Use the prompt before you call your insurer.
04What can go wrong
- Don't admit fault in writing.
- If anyone was injured, talk to a lawyer.
05What to use
Any major AI chat app.
06Our test runs
2 runs, each with a different made-up sample. 2 of 2 passed every check.
Run 1 · Llama 3.3 70B · graded by GPT-OSS 120BOct 5, 2026Passed
The made-up sample:
[DATE, PLACE, WHAT HAPPENED]2026-09-28, Oakwood Blvd near Maple St, I was traveling north at 35 mph when a red 2018 Honda Civic ran a red light and struck the driver’s side of my 2020 silver Toyota Camry.[DETAILS]Front passenger door dented, side panel crumpled, airbags deployed, minor whiplash and a bruised left shoulder for me; no injuries reported by the other driver.[PHOTOS, OTHER DRIVER INFO, POLICE REPORT NUMBER]Photos: front‑end, driver’s‑side, interior airbags deployed; Other driver info: Jane Doe, license DL1234567, insurance XYZ Insurance, policy #XYZ987654; Police report #: 2026‑0915‑00123.
- Provide a checklist of what to gather
- Keep summary to facts, no fault guesses
- Never tell what the user is owed
- Summary under 150 words (50 words, counted by code)
- Didn't make up details we never gave it
What came back (excerpt):
On 2026-09-28, a collision occurred on Oakwood Blvd near Maple St involving your 2020 silver Toyota Camry and a 2018 Honda Civic driven by Jane Doe. Your vehicle sustained damage to the front passenger door and side panel, and airbags deployed.
Read the full answer
**Checklist:** - Police report (#2026-0915-00123) - Photos of the damage (front-end, driver's-side, interior airbags deployed) - Other driver's information (Jane Doe, license DL1234567, insurance XYZ Insurance, policy #XYZ987654) - Your vehicle's details (2020 silver Toyota Camry) - Your insurance policy details - Medical records for your injuries (minor whiplash and bruised left shoulder) - Estimate for repairs - Any witness statements (if applicable) **Summary:** On 2026-09-28, a collision occurred on Oakwood Blvd near Maple St involving your 2020 silver Toyota Camry and a 2018 Honda Civic driven by Jane Doe. Your vehicle sustained damage to the front passenger door and side panel, and airbags deployed. You reported minor whiplash and a bruised left shoulder. **Questions for the Adjuster:** 1. What is the next step in processing my claim? 2. How will the damage to my vehicle be assessed and repaired? 3. What information do you need from me to proceed with the claim? 4. How will my medical expenses be handled in relation to the claim? 5. What is the timeline for resolving my claim and what are the key milestones I should be aware of?
Ensure the summary stays under 150 words and avoids fault statements.
Run 2 · Llama 3.3 70B · graded by GPT-OSS 120BOct 28, 2026Passed
The made-up sample (a messier one):
[DATE, PLACE, WHAT HAPPENED]2026-09-14, Oakwood Blvd near 5th St, I was stopped at a red light when a silver 2018 Honda Civic ran the light and hit the rear of my 2020 Toyota Camry.[DETAILS]Rear bumper crushed, trunk lid dented, driver’s side taillight shattered. I felt neck strain and mild headache, no loss of consciousness. Passenger seat cushion torn. Airbag deployed.[PHOTOS, OTHER DRIVER INFO, POLICE REPORT NUMBER]Photos: front, rear, interior, damage close-ups (8 images). Other driver: Jane Doe, license plate XYZ-1234, insurance: SafeGuard Auto, policy # SG987654321, phone 555-0198. Police report #: 2026-0914-0012.
- Provide a checklist of what to gather
- Keep summary to facts, no fault guesses
- Never state what the user is owed
- Summary under 150 words (63 words, counted by code)
- Didn't make up details we never gave it
What came back (excerpt):
On 2026-09-14, a silver 2018 Honda Civic hit the rear of your 2020 Toyota Camry while you were stopped at a red light on Oakwood Blvd near 5th St. The impact damaged your vehicle's rear bumper, trunk lid, and driver's side taillight.
Read the full answer
Checklist: - Police report copy - Photos of vehicle damage (you have 8 images) - Witness statements (if any) - Medical records and bills related to neck strain and headache - Vehicle repair estimate - Contact information for other driver (you have Jane Doe's details) - Insurance policy documents - Record of any communication with other driver or their insurance Summary: On 2026-09-14, a silver 2018 Honda Civic hit the rear of your 2020 Toyota Camry while you were stopped at a red light on Oakwood Blvd near 5th St. The impact damaged your vehicle's rear bumper, trunk lid, and driver's side taillight. You experienced neck strain and a mild headache. The other driver, Jane Doe, provided her insurance information: SafeGuard Auto, policy # SG987654321. Questions for the adjuster: 1. What is the next step in processing my claim? 2. How will the damage to my vehicle be assessed and repaired? 3. What medical documentation is required to support my injury claim? 4. Will I need to provide additional information or evidence to support my claim? 5. What is the typical timeline for resolving a claim like mine, and how will I be notified of progress or decisions?
Ensure the summary stays under 150 words.
How each run works: we fill the prompt with a made-up sample, run it once in Llama 3.3 70B, and GPT-OSS 120B grades the answer against the prompt's own rules. Word limits are counted by code, and every quote flagged as made up is checked against the full answer. Your results can differ. How we test.
Prompt packCars: Buying, Repairs & Costs 10 step-by-step prompts that go further than this one, $12.
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