Auto Insurance Claims Be Prepared Be familiar with your auto policy before you need it. Read the policy thoroughly so you know what is covered, how much is covered, and what is excluded. Knowing in advance what to do in the event of an accident can help you avoid expensive mistakes. Know how much liability coverage you have - this is the coverage that pays for damage you cause to other vehicles or injuries to other people. Know if you have collision and/or comprehensive coverage. Know your deductible. Alaska law requires you to report any accident that results in death, injury, or damages of $2,000 or more to the police. Auto Accident App and Checklist The WreckCheck App for iPhone® and Android® guides you through what to do after an accident. Or you can print a checklist. Filing a Claim In the event you need to file a claim: Contact your agent or insurer as soon as possible - ask what forms or documents will be needed. Cooperate with your insurer and supply information promptly. Keep records of all your expenses. Emergency expenses you incur may be covered under your policy. Keep copies of all your paperwork.