1. Read your policy. Don't wait until after an accident.
  2. If you don't understand your policy, ask your agent and / or company for clarification.
  3. If you have an accident, call the police. If there are injuries, call paramedics.
  4. Get as much information as possible at the accident scene to furnish to your agent and / or insurance company.
  5. Immediately notify your agent and / or insurance company of an accident.
  6. Cooperate with the insurance adjusters / investigators to aid in their efforts.
  7. If you don’t understand something about the claims procedure (e.g. amount of settlement offer), ask your agent and / or insurance company representative to explain.
  8. Notify your agent or company in writing of any change in your vehicle ownership.
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