Safety and records first
Check for injuries and follow applicable rules for contacting emergency services or reporting an accident. Record the relevant facts, take photos when safe and preserve receipts. Do not guess about fault at the scene.
Understand the claim process
Ask your insurer about reporting deadlines, deductibles, repair estimates, rental coverage and next steps. Keep a dated record of each conversation. This article is general education, not legal advice.
Further reading
General insurance education. Actual coverage depends on your policy and state; confirm details with a licensed insurer or agent.