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After an Accident
Contact your insurance company as soon as possible – Ask your insurer what forms or documents will be needed to support your claim. Current regulations require your company to contact you within 10 working days after it has been notified of a loss; or, within seven working days if it intends to inspect the damaged vehicle. This inspection must be done at a time and place that is reasonably convenient for you. For your own protection, you should contact your insurance company even if you believe you were not at fault in an accident, or if there is no visible damage or injury.
Get a copy of the police report – Make copies for your own records and your insurance company. Review report for details, such as how many passengers were listed in comparison to how many were present at the accident. If you see inconsistencies, let your insurance company know and contact the police department that responded to the scene.
Take reasonable steps to protect your property from further damage – For example, if you don’t cover a broken windshield and rain damages your upholstery, your insurer could refuse to pay for the damaged upholstery. Save all receipts for emergency repairs and submit with your claim.