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. In most cases, if there is criminal activity, such as a moving violation or criminal damage, you will want to first call the police. They'll take care of insurance and makes sure that everyone involved is satisfied and provided for. Even if the police are not called, in order to make a claim against your insurance or the other drivers insurance, you will need to get all of the necessary information from the other driver. Next, you should contact your auto insurance company and contract to proceed.
Claims are anything that may be covered by your insurance policy. You'll have to use your insurance company to pay for big damages that happen when you're injured or your car is wrecked in an accident. Making a claim is what this process is called. 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. For most insurance companies, the process is very simple to do.
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 state that you were at fault, it may cause your claim to be denied and you'll have to pay the full amount of vehicle damage to your car.
