Do not admit liability or make an offer of payment. If pressed, simply say you will report the incident to your insurer.
For liability or auto incidents, gather details of what happened: where/when/how/who, and get name and contact information on witnesses. Take photos. For auto claims, get the other driver’s registration, driver’s license, and insurance ID card information. Provide the same to the other parties.
Report to the police if necessary.
For property claims, do not risk physical injury by attempting to mitigate the loss. Protect the property from further damage, separate what is damaged from what is not, and do not throw away damaged property until an adjuster from your insurer has seen the damage. If you must start repairs or cleanup before an adjuster has seen the damage, take extensive photographs.
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