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| Filing Car Insurance Claim |  One of life's least enjoyable moments can be even a teeny-tiny car accident. Nevertheless, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Look through the following seven steps of filing your claim will help you get over this speed bump as smoothly as possible.
Comprehend your policy
Sit down and carefully read your insurance policy before a loss. If you have any questions about what is or is not covered, call your agent or company.
Exchange information
If an accident happened, get the other driver's name, address, phone  number, insurance carrier, and insurer's phone number. Give the same information about yourself to the other driver. Insurers' telephone numbers can be found on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle.
Identify witnesses
Take the names and phone numbers of the witnesses in case their account of the accident is needed.
File an accident report
To have an accident report prepared contact local law enforcement officers. If you can’t reach law enforcement, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site.
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Filing Car Insurance Claim