Policies always list what they don’t cover. Key exclusions to scrutinize include intentional acts, professional services (unless you have E&O insurance), contractual liability for certain agreements, pollution, employment practices, and cyber incidents. You must understand these gaps. If your business faces excluded risks, you need separate, specific policies to cover them. Never assume a general liability policy is all-encompassing.

Keep everything. Save the original, full-resolution files from your device or camera. Do not rely on cloud storage or social media albums alone, as these often compress files. Create a dedicated folder on your computer and make backups. For organization, use clear filenames or a simple log (e.g., “2024-05-15_Scene_Staircase_Wide.jpg”). Provide all this to your attorney in its original format. Proper organization helps build a clear, chronological story of the incident and its aftermath.

Insurance companies conduct their own investigations to protect their financial interests. They review all evidence—police reports, photos, witness statements, and vehicle damage—to determine which policyholder they believe was negligent. Their goal is to minimize payout. They apply state traffic laws and negligence principles to the facts. Be cautious when speaking with the other driver’s insurer, as they may use your statements to assign you partial fault. It is often wise to let your own insurance company handle communications.