The first notice of loss (FNOL) is usually the initial report filed with an insurance provider after an accident, theft, or another covered event. This report is typically made by the policyholder and may include details such as the date, time, location, and description of what happened.
Filing a FNOL can be the first step in the claims process. It allows the insurance carrier to begin reviewing the incident, which may lead to repair assistance or a payout depending on your coverage and circumstances.
Why do you need to file a FNOL?
Promptly submitting a FNOL may help you avoid unnecessary delays. Most auto insurance carriers typically cannot begin evaluating your claim until they receive your FNOL.
Why a timely FNOL report may be crucial:
- It can initiate the claims and damage assessment process.
- It may impact how quickly payment or repairs are authorized, depending on your coverage.
How to file an FNOL
Claim handling, including FNOL procedures, varies by insurance carrier and may depend on your location and type of policy. Your insurer may need you to provide certain details about the incident, including date, time, and accident location. For accurate guidance, policyholders may want to contact their insurance company directly.
Contact Infinity Insurance Agency, Inc. (IIA)
If you have questions about your claim, contact an IIA agent who can help provide you with your claim number for the insurer. If you’re looking for coverage, you can get a free quote online or call 1-855-478-3705.