This defines what event triggers coverage. An ’occurrence’ policy covers incidents that happen during the policy period, regardless of when the claim is filed. A ’claims-made’ policy only covers claims filed while the policy is active. Claims-made policies are riskier because an incident from your current work could be claimed years later, after the policy lapses, leaving you uncovered. Tail coverage (an extension) is often needed when switching from a claims-made policy.

Yes, you should act promptly to request corrections. Contact the officer who filed the report or their department’s records division. Provide any evidence you have, like photos or witness statements, that contradicts the error. While the officer may amend a supplemental report, they are not required to change their original assessment. Your own documentation becomes critical to counter any inaccuracies in the official record.

Notify them using the specific phone number or online portal for claims listed on your policy documents or insurance card. Provide the basics: who you are (policy number), what happened (date, time, location, brief description), and who was involved (names and contact info of anyone injured or making a claim). Stick to the facts without admitting fault or giving extensive opinions. Your insurer will follow up for more detailed information later.