Preserve the basic accident information

When it is safe and lawful, record the vehicles, drivers, insurance details, witnesses, date, and location. Retain photographs and the police report reference if a report was made. Describe what you observed without guessing about facts you do not know. Save original image files and later corrections or additions to the record rather than quietly replacing an earlier account.

Read the policy as well as the coverage summary

Locate the policy, declarations, endorsements, and relevant claim-reporting instructions. Different coverages address different losses, and deductibles or limits can matter. Ask the insurer which coverage is being considered and what documents it needs. A summary card or an agent’s brief description is not a substitute for the policy terms. State law also affects the handling of the claim.

Keep a record of the claim process

Report through the appropriate verified channel and save the claim number and assigned contact. Maintain a log of conversations, requests, documents submitted, and promised follow-up dates. Confirm material points in writing where possible. If an insurer asks for a statement or a broad authorization you do not understand, seek clarification and advice while remaining attentive to duties under your own policy.

Separate repair costs from other losses

Organize estimates, inspection information, repair invoices, towing or storage charges, and any rental records. Keep injury-related records separate but linked to the accident timeline. Ask whether an offer concerns only vehicle damage or also other claims. Before signing a release, understand the scope of what you are settling and discuss unresolved issues with a qualified adviser when needed.

Ask for a reasoned explanation of disagreements

If you dispute a coverage decision or valuation, identify the specific point and supporting records. Request the insurer’s explanation in writing and review any applicable policy process. The NAIC identifies state insurance departments as a source of help with claim-handling concerns. A regulatory complaint is not the same as a lawsuit and should not be assumed to pause contractual or legal deadlines.

Your preparation list

Bring these records together.

  • Accident details, photographs, and any police report reference.
  • Full policy, declarations, endorsements, and claim number.
  • A dated log of submissions, requests, and insurer responses.
  • Itemized loss records and the complete text of any release.

Reference points: National Association of Insurance Commissioners, What You Should Know About Filing an Auto Claim and A Consumer’s Guide to Auto Insurance. Policy terms and state law control individual claims. Reviewed September 30, 2026.