Build the incident record
Save the exchange information, report number, scene photographs, witness details, repair communications, and a dated account of what happened. Keep original files when possible rather than relying only on screenshots.
Map every coverage path
A claim can involve liability coverage, collision coverage, medical-payments coverage, personal injury protection, or uninsured and underinsured motorist coverage. Availability and priority depend on policy language, the vehicles involved, and state law.
Preserve commercial-vehicle questions
When a truck or work vehicle is involved, ownership, employment, maintenance, dispatch, electronic data, and cargo records may matter. Ask a lawyer what must be preserved before routine retention periods expire.
