1. Contact the insurance company as soon as possible after the accident. All companies require claims to be filed within a certain amount of time after the accident. Do not wait too long to file a claim!
  2. Read your insurance policy to determine insurance coverage, in order to make the proper claims.
  3. Tell the insurance company all of the details of the accident, including the insurance information and coverage of the other parties involved.
  4. Keep a written account of conversations with employees of the insurance company.
  5. Save all paperwork relating to your insurance claim, including medical bills, repair bills and other expenses.
  6. Check to see if you have additional insurance policies, which may offer coverage for the injury or accident that occurred.
  7. When talking with the insurance company:
  • DO NOT admit to any liability.
  • DO NOT accept any estimates from your insurer about a settlement or the value of your claim. Do your own investigation or consult an attorney.
  • DO NOT sign any sort of insurance release or waiver.
  • DO NOT accept any settlement, unless you feel it is complete compensation for your losses.