Call your agent. This is the first place to go when there has been an accident. Your agent can do a number of things for you, including helping you fill out an accident report and then sending it to the company.
Most agents will also help their customers understand the basic claims process and answer questions that arise as the claim progresses. If they cannot answer your question, they will know who to ask at the insurance company. They may also know things that the average claim representative does not (for example, whether your rates will go up if you make a claim).
Some agencies have their own claims department staffed by people whose entire job is to help you navigate the claims process. These are not the people who are paying your claim, but they understand the process and are there to help you handle yours. Use them.
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