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Free accident checklist
Work through 16 practical items in order, from immediate safety to the written claim file. Print a clean copy before you need it or use the interactive version in this tab.
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Interactive accident checklist
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One claim record
A useful claim file separates what happened, what the policy says and what was paid. Keep originals or clear copies and note when each item was received or sent.
| Keep | Why it matters | Where to file it |
|---|---|---|
| Scene record | Preserves names, vehicle details, photos and observations made close to the event. | 01 · Scene |
| Policy and ID card | Helps connect questions to the correct policy period, coverages, limits and deductibles. | 02 · Policy |
| Claim contacts | Keeps the claim number, adjuster, repair contact and dated communication log together. | 03 · Contacts |
| Estimates and receipts | Documents repair, towing, storage, rental and other claimed expenses. | 04 · Costs |
| Written decisions | Shows what was requested, what was decided and which policy language was cited. | 05 · Decisions |
When a decision is unclear
Ask for the coverage, exclusion, limit or condition used in the decision.
Correct factual errors with documents rather than relying on a phone conversation alone.
Save the explanation with the date, sender, claim number and any next-step deadline.
Ask about the insurer's review process and your state insurance department's consumer services.
Primary references
This checklist is an organizational aid. The NAIC resources below explain common claim steps and auto-insurance concepts; your state rules and policy language control your situation.
Before you compare again
Keep the same coverage choices across quotes, then compare price separately from insurer details and state requirements.
Identify which loss each coverage generally addresses.
Open resource →Put up to three written proposals on equal terms.
Open resource →Open the official source for your jurisdiction's legal floor.
Open resource →Review public company facts separately from the premium.
Open resource →