Making an Insurance Claim Making an insurance claim is different from reporting an accident to an insurer.
Providers urge you to report all accidents, but you can only file a claim if you have the coverages you need, like collision insurance or medical payments coverage, to help pay for repairs or medical expenses.
However, the claims and reporting procedures both require a number of the same components.
Keep a record of the accident scene and the vehicles involved whenever you are in one.
Keep a record of the exact moment and place of the accident, as well as the weather and any other pertinent information about the scene.
Take pictures of any and all property and vehicle damage. When you report an accident, you may not be required to submit the photos, but if you file a claim, they will be required.
