A car accident insurance claim maybe a person first experience to the world of lawyers and insurance agents. After the initial shock has worn off the person making a claim should be honest with their insurance agent and should call their agent as quickly as possible, time is of the essence both in your reporting and in filing a claim before the filing deadline arrives. Keeping good records of what happen, the insurance policy details of the other person, the names and phone numbers of witnesses and of your expenses as they relate to your claim. When talking to the other driver and his insurance agent relate the facts as you see them do not express an opinion and do not admit fault. Your own insurance will make an offer of settlement that should not be viewed as the final offer by getting your own estimates you can counter.