Notify your insurance provider as soon as reasonably possible, typically within 24-48 hours. Provide them with the basic facts, the information you collected, and the police report number if applicable. Do not give a recorded statement without understanding your policy or potentially consulting an advisor. Your contract requires prompt reporting, but you are not obligated to speculate or accept blame.

Be cooperative, polite, and stick to the facts. The adjuster is not your advocate; their job is to investigate the claim for the insurance company. Do not volunteer extra opinions or admit fault. Answer questions directly but do not guess or speculate. It is often wise to avoid giving a recorded statement without first understanding your rights. Keep a log of all conversations, including the adjuster’s name, the date, and what was discussed.

Yes, but act quickly. If you find a factual error (wrong license plate, misspelled name, incorrect diagram), contact the officer who wrote the report or the department’s traffic division. Provide documented proof, like a photo of the correct plate, to support your correction request. The officer may file a supplemental report. Do not try to alter your statement of events. Note any corrections in your own claim file and inform your insurance adjuster of the update.