Step 3 Cooperate Fully with Your Insurer’s Investigation
Your insurer will assign a claims adjuster to investigate the incident. This includes gathering statements from you, the injured party, and any witnesses. Provide complete, accurate information. Do not exaggerate or downplay what happened. The adjuster is working to determine whether your liability coverage applies — your cooperation directly affects the speed and outcome of the process.
Step 4 Do Not Settle or Apologize Independently
Once you have notified your insurer, do not negotiate any settlement or make any financial payments to the injured party without your insurer’s knowledge and approval. Unauthorized settlements can void your coverage. Similarly, do not formally admit fault in writing — this can affect the legal determination of negligence and your insurer’s ability to defend the claim.