- 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”).