A traffic accident is a traumatic experience at the best times. It could be much worse if proper procedures are not followed after the accident, so you can file your claim. The following points will help.

* In the U.S. insurance laws decree that it is imperative to inform your insurance company immediately after the accident. Call your insurance agent immediately and if possible get him to the crash site before the cars moved. Otherwise, make certain you can contact your insurance company at the earliest.

* Gather all information about other driver and his vehicle, especially with respect to its insurance company and policy. This is even more important if the other motorist was responsible for the accident. In this case, prompt action will ensure his company that meets all requirements and no deductibles transferable to you. This will also prevent the escalation of future insurance premiums paid by you.

* Take photographs of the crash and the surrounding areas, so there is visible evidence to support your claim. If the insurance representative is present, he will make the necessary inquiries and speak with any witnesses.

* Fill in the application form. Ask your insurance agent what documentation must be attached with it, beyond the photographs and a police report if you have one.

* Determine the time of the accident, where you have to make your claim. Make sure your application is filed within that.

* Extend all cooperation with your insurance company to enable them to make a proper assessment of damages.