Immediately report all losses directly to your insurance agent or company.
Immediately report a loss to the police if your vehicle is damaged by a hit-and-run driver, or if you suspect vandalism or theft. Without a police report, your company could deny your claim.
Show the damaged vehicle to the company before having it repaired.
Protect your vehicle from further damage. If you don’t, your company could refuse to pay for any subsequent damage. For example, if you don’t cover a broken windshield and rain damages the upholstery, your company could refuse to pay for the damaged upholstery.
Cooperate with the insurance company’s investigation. If you don’t cooperate, your company could deny your claim.
Review the section of your insurance policy that describes your duties and other possible requirements (sometimes called “Conditions” or “Duties After A Loss”).