Insurance laws and policies are regulated individually by each state that may require drivers to carry a minimum amount of insurance. Some states and insurance companies may require that any disputes must be arbitrated instead of, or before, filing a lawsuit.
Most insurance policies require you to provide your carrier with a Notice of Loss after an accident. In many cases, this is a form that you must complete that provides details of the accident. It is best to contact your carrier as soon as possible after an accident to find out what must be done to start the process. If you wait too long, they may deny coverage.