The first step is to inform the insurance company about the accident and the number of passengers involved.After which one must file an FIR at the nearest police station from where the accident occurred.Record the witness details, the details of the other party’s insurance, and his or her vehicle. If you are not in a position to do so then ask others to help you out.File an official claim with the insurance company at the earliest. The insurer will assign a surveyor to check the truthfulness of the claims and collect the details of the case.In case, the insurer offers an online claim filing facility, opt-in for this at the time of purchase of the policy, for a hassle-free claim application and approval process.