Coverage inquiry checklist
Keep the conversation factual and tied to the written policy, claim correspondence and documents you can verify.
- Locate declarations, endorsements and policy language
- Save the other driver's insurance information or coverage response
- Keep the agency report or incident information
- Notify your insurer using its stated process
- Ask which coverage is being evaluated and why
- Request any coverage decision and cited policy terms in writing
Coverage file
Save originals and maintain a short communication log so requests, promises and open questions do not disappear across calls.
- Your policy and declarations
- Other party and vehicle details
- Other insurer's written response
- Police or collision report information
- Your insurer's requests and decisions
- Medical, damage and expense records
Questions worth asking
Ask what evidence is needed, whether hit-and-run or unknown-driver provisions differ, what policy duties apply and how disputed coverage questions can be reviewed.