01
At the scene
Prioritize safety and emergency assistance. Follow local reporting requirements and exchange information when appropriate.
CONSUMER POLICY LITERACY · INDEPENDENT EDUCATION
Claims Context
A little preparation can make the claims process easier to navigate.
Request InsightsClaims Context
Explore the important distinctions.
A little preparation can make the claims process easier to navigate. Every section below describes a different consideration worth reviewing in your own policy.
02
Document the facts
Record relevant dates, locations, photos and contact information when safe to do so. Avoid speculating about fault.
03
Understand the process
Ask how to report a claim, whether an inspection is needed and how deductibles or repair estimates are handled.
04
Keep records
Maintain copies of communications, estimates and claim numbers. Review settlement explanations against your policy terms.
What to document after an incident
If a collision occurs, prioritize safety and emergency assistance. Where appropriate, collect the time, location, vehicle details, contact information, photographs, and an incident or police report number. Avoid sharing sensitive personal information unnecessarily.
Review the insurer’s reporting instructions and any deadlines in your policy. Ask how deductibles, rental coverage, repairs, and claim status updates work. A claim investigation determines coverage under the policy; reporting an event does not guarantee payment.