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3 Driving on California’s highways can be a risky proposition. Whenever you are in a vehicle, there’s a risk of being involved in a traffic accident. Whether it’s a small “ fender bender ” or a major injury accident, knowing in advance what to do can help you avoid costly mistakes. This guide discusses what to do after an accident and what to expect when you file a claim with your insurance company. When purchasing insurance, carefully review the application before signing to determine if the coverages, policy limits, and deductibles are suitable for your needs. After you receive the policy, review the declaration page. It contains important information about the covered drivers, identifies the vehicles insured, as well as the coverage limits amounts and deductibles. Make sure the information is correct and the coverage is what you purchased. If changes are needed, send your request to your agent and or insurance company in writing and keep a copy. Use certified mail return receipt requested to verify receipt of your documents. Become familiar with your automobile insurance policy so you will understand it before the need arises to file a claim. Read the policy thoroughly so you know what is covered and what is excluded. INTRODUCTION