Accidents and unexpected losses are stressful—but knowing what to do in the moment can make all the difference. Whether it’s a car crash, fire, theft, or storm damage, taking the right steps immediately afterward helps ensure your safety and strengthens your insurance claim.
At ThompsonBaker, we guide clients through these situations every day. Here’s a step-by-step breakdown of what to do and how to stay protected—both personally and professionally.
Step 1: Prioritize Safety First
No matter the type of accident or loss, safety always comes first.
- For car accidents: Check yourself and others for injuries, and call 911 if anyone needs medical attention.
- For property damage: Make sure it’s safe to remain on the premises. Evacuate if necessary.
- In business settings: Alert staff, contain damage if possible, and follow emergency protocols.
If there’s immediate danger, focus on getting everyone to a safe place before anything else.
Step 2: Document the Scene
Once you’re safe, gather information. Clear documentation is critical for your insurance claim.
- Take photos of any damage—vehicles, buildings, property, or personal belongings.
- Write down important details (time, location, weather, etc.).
- For auto accidents, exchange information with other drivers and get witness contact info.
- Keep receipts if you incur emergency expenses (like hotel stays or temporary repairs).
Whether you’re filing a car insurance Florida claim or dealing with commercial insurance for a business loss, the more details you can provide, the better.
Step 3: Notify Authorities
In most cases, you’ll need to report the incident to the appropriate authorities.
- Car accident: Contact the police and file an accident report.
- Theft, fire, or vandalism: Call local law enforcement and get a police report.
- Commercial property loss: Depending on the situation, OSHA or other regulators may need to be notified.
These reports will be required when you file your claim with your insurance agency in Florida.
Step 4: Contact Your Insurance Provider
Reach out to your insurance agent as soon as possible after the incident. At ThompsonBaker, our team is ready to walk you through the process from start to finish.
When you call:
- Be ready to explain what happened and provide the details you collected.
- Ask about next steps, including inspections or adjuster visits.
- Review your deductible and policy limits so you know what to expect.
Whether you’re dealing with personal and commercial auto insurance or property-related loss, acting quickly helps streamline the process.
Step 5: Prevent Further Damage
If safe and possible, take temporary steps to prevent further loss.
Examples:
- Tarp a damaged roof after a storm.
- Turn off utilities to prevent fire or water damage.
- Move valuable items out of harm’s way.
These actions help protect your property—and show your insurer that you’re doing your part to mitigate damage.
Frequently Asked Questions
Do I always need a police report to file a claim?
For most auto accidents and any criminal activity (like theft or vandalism), yes. It’s an important part of your claim documentation.
Can I file a claim without calling my agent first?
You can, but it’s always best to call your agent. A local insurance agency in Florida like ThompsonBaker can help you avoid missteps and ensure you get the support you need.
What if I’m at fault in an accident?
Your liability coverage will apply, and umbrella insurance (also known as personal excess liability insurance) may help if costs exceed your policy limits.
Do businesses have different steps after a loss?
Yes—especially if employees or customers are involved. A commercial insurance company in Florida will guide you through any regulatory requirements or complex claims processes.
Keep This Checklist Handy
Here’s a quick reference you can bookmark or print:
✔ Ensure safety
✔ Call emergency services if needed
✔ Document the damage
✔ File a police or incident report
✔ Notify your insurance provider
✔ Prevent further damage if possible
Staying calm and following these steps can make the claims process smoother and faster.
ThompsonBaker Is Here to Help You Navigate Every Step
Accidents are never planned—but with the right team in your corner, they don’t have to derail your life or business.
As a trusted insurance agency in Florida, ThompsonBaker works with individuals and businesses across the state to provide personalized protection. Whether it’s car insurance, homeowners insurance, or commercial coverage, we’re here to guide you through life’s unexpected moments.Had a recent loss or accident? Let us walk you through it. We’re just a call away.
