Every accident cause damages, may it be property or your physical body. It is important to apply for insurance before you encounter such circumstance so that you will be able to recover the money and properties you lost. Before you file a claim, determine if the other party, who may be responsible for the accident, will file a claim for you. If they do, getting a settlement will be faster. If they don’t, you will personally file it. Then, collect all evidences, preserve and document it. If pos.