If you are in an accident or find out that you have damage to your vehicle or to property, you need to contact your insurance company right away. You should almost always call the police when any criminal activity or damage occurs. The insurance will be taken care of in such a way so that all involved in the scenario will be cared for. Whenever you are in a car accident, even if the police are not involved, you need to get information from the other driver in order to claim the accident against your insurance. Next, you should contact your auto insurance company and contract to proceed.

Claims are anything that may be covered by your insurance policy. If something happens to you, to your car or to property that is caused by your vehicle, you will need to use your insurance company to pay for the damages. This is what's known as starting the claims process. Once the insurance company finishes their investigation (if one is needed), they will either issue you a check or request you bring your vehicle in for repair. This will allow you to get your vehicle fixed or to pay off the other individual that may have been hurt by your mistake. This is not a complex process for the majority of insurance companies.

The most important thing to keep in mind when something happens to you or another driver is to never admit you are guilty. Simply say that you do not know what happened and let the insurance companies work it out. If you admit to wrongdoing, your claim might not be covered, and the responsibility will fall on you for damages to your vehicle.