General guidelines to follow
- Call the police.
- Obtain information such as the names, addresses, telephone numbers, and license numbers of all persons involved in the accident and all witnesses. Also, record the time, date, location, road conditions, make and year of the vehicles involved, insurance information, apparent damage and injuries, and your version of what happened. Call your insurance agent or insurance company with your policy number and other relevant information as soon as possible. Be sure you cooperate fully with the insurance company and ask your agent what documents, forms, and data you’ll need.
- Take notes each time you talk to your insurance company, agent, lawyers, police, or others involved in the situation. Write down the dates, times, names, and subjects you talked about, as well as any decisions or promises made.
- Ask your insurance company if you have coverage for a rental vehicle if your car is not drivable and save any receipts and bills, including those from a car rental or towing and storage of your damaged car.
Contact your state insurance department
If you have a dispute with your insurer about the amount or terms of the claim settlement, you can contact your state insurance department for assistance. For those in Utah call 801-537-9177.