Start with the facts

Follow applicable safety and reporting requirements first. Gather the incident date, location, vehicles, people involved, photos, police report details if any, and insurer claim information. Keep your notes factual and avoid guessing about fault.

Ask what happens next

Your insurer can explain the claim process, inspection or repair steps, deductible, rental options, and what documents are needed. Coverage and claim decisions depend on the policy and facts of the loss.

Do not assume the price outcome

An accident can affect future insurance decisions, but the outcome depends on details and the insurer's rules. Avoid unsupported predictions about a premium increase or how long an incident will matter.

Coverage details, state rules, and insurer practices can change. Confirm the specifics of any policy with your insurer or a licensed agent before making a decision.

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