If airplanes make you nervous, you've probably heard the statistic from some well-meaning person that you're about 60 times more likely to die in a car accident than a plane crash [source: Bailey]. That's great news if you're about to board a cross-country flight, but it's a little unnerving for daily commuters: At their worst, car accidents can be devastating, and at their best, they're a major and costly inconvenience.
Luckily for all the drivers out there, that's why auto insurance exists: to help alleviate the financial and logistical burdens of an accident. Regardless of the severity of the situation, any time you're involved in a crash, you're required to report it to your auto insurance company -- even if you believe you're not at fault [source: Insure]. While your insurance may cover your medical bills and repairs to your vehicle, the fair and speedy processing of your claim depends on the facts you provide following the accident.
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But when exactly should you make that call, and what information should you convey?