In the event of an accident, it is important to remain composed, stay at the scene in a secure spot, capture photographs of the surroundings, and exchange contact and insurance details with the other party involved.
After getting the necessary photos and information from the accident it is time to contact the appropriate insurance company. If the other driver seems to be at fault, you should call their insurance company. The insurance agent will most likely ask for these details:
Date, time, and location of accident
Information of the other driver involved in the accident ( license, insurance provider, etc.)
Photos or videos of damage done to both vehicles
Your personal testimony on what happened
If a police report has been filed for the accident
It is important to know what types of coverage you have. For example if you have rental car reimbursement coverage, your insurance company will help cover your rental car costs while your vehicle is being repaired.
Next, you should talk to your claims adjuster. Usually your claims adjuster will reach out to you to get a personal testimony of what happened from your point of view along with gathering other information like if a police report was filed. A claims adjuster helps determine liability of damages so it is important to tell them every detail you can remember and share any photos or videos you have of the damages. Remember to never admit fault for an accident, that is for the claims adjuster to decide.
The last step is to get your car repaired. Fortunately, you get to decide where and when your car gets worked on. If your claim gets approved, the insurance company will either write you a check or pay the repair shop minus your current deductible.
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Information credit:https://www.progressive.com/answers/how-to-file-an-auto-claim/