Every so often, I will get a call from someone who is having difficulty in making a claim under their homeowners insurance policy. Most of us are used to representing clients in first-party claims relative to their auto insurance policies, all of which are, effectively, exactly the same, regardless of the insurer. However, homeowners policies are not always the same. While many policies have similarities, there are numerous Riders and Endorsements which can make coverage unique to the individual insured.

Motor vehicle accidents are fairly common, but many people are still unsure about what to do in the moments after an accident. Below are a few common questions and answers to guide you in the right direction.