Gather all pertinent information:
Date/Time claim occurred
Location
Names and contact information of those involved
If auto accident, don't admit fault
Names of witnesses
Report the claim to your agent
If agent is unavailable, report to insurance company using 800 number or website
Adjuster should contact you within 24-48 hours
Adjuster will lead you through the claim process
Cooperate as there will be appraisal and interviews
Discuss with agent if there are concerns or issues