If you want your insurance to respond quickly to your claim, explain as clearly as possible what happened. You should also take clear photographs of the damage. Do not lie or bend the truth regarding the damages as an attempt to receive more money. This is fraud and could result in your claim being completely denied.
Don’t file a claim for a minor issue, even if it’s covered. It could raise your premiums and make you pay more than if you just fixed it yourself. As a reward for good driving, most insurance agencies will give you a discount for every year that you remain accident free. If there is a significant incident, the policy is there to protect you.
If you own a home and have a car, you can save on insurance by covering both, with the same company. Most insurers offer multi-policy discounts and with online tools that make it easy to compare costs, you can easily find the company that offers you the biggest savings and most appropriate coverage for your situation.