The first step after you have an accident and have completed the reporting to local Police, is to contact his insurer, thereby creating a first notification of loss (FNOL). In most cases you will reach a call center that specializes in the loss reporting process. The information you provide and the evidence the call center representative gathers will have a direct impact on the outcome of the loss. For your insurer to resolve his claim, the representative must complete the investigation by ascertaining proper coverage, as well as the extent of the damages and liability.
When you have this critical first conversation, try to be as detailed as possible in relating facts, what the other parties involved said and did and any information you have on witnesses, citations received or anything else you feel is important to help your insurance company understand who may have contributed to fault in the loss.
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