Whenever a person has an insurance policy that may provide coverage for a potential accident, the insurance policy will usually include a provision that the policy holder must timely notify their carrier. Some policies require that the policy holder notify their carrier within 24 hours. This usually involves calling the claims number on the back of the person’s insurance card, or alternatively calling the person’s insurance agent. Usually the agent or claims office will take the relevant information about the claim and provide information about any additional forms or information that must be provided pursuant to the policy. By taking steps to immediately call your insurance company to put them on notice of a potential claim you will have protected yourself with respect to your own coverage.
One final point: it is a good idea to talk to a qualified attorney before giving a written or sworn statement to the insurance company. Oftentimes an insurance company might have interests other than yours at stake, such as saving money on any claims they pay to you, or even such as denying coverage under your policy. By hiring competent legal advice you can be assured that someone is looking out solely for your interests.