The short answer
After an accident, secure the scene and collect evidence first, then report the claim and keep the information needed to assess the repair scope.
1. Make the scene safe
If anyone is injured, contact the appropriate emergency services. Do not drive a vehicle if its condition creates a safety concern.
2. Record the essential facts
Note the date, location and circumstances. Record participant and vehicle details and photograph the position of the vehicles, visible damage and surroundings.
3. Report the claim and wait for inspection
Keep the claim number and contact confirmations. Visible damage may not show the full scope, so additional damage should be documented before extra work is approved.
This is general information, not a decision on a specific claim
This is general information, not a decision on a specific claim. The right next step depends on the documents, damage and insurer’s position.