First and foremost one must keep their insurance papers, copy of driver's license, RC book copy, car details with them in the car at all times. And before that once the insurance renewal happens, one must check each and every detail like date of commencement, car number, owner's name, car make etc. After the accident, immediately log a complaint immediately on the company's toll free number and you will get your claim number. You can also find out the name of the surveyor in your area and contact him/ her to expedite the survey. If you have a camera phone, click the crash site photo for reference. And keep the claim story simple and true. Whatever you say while filing your complaint on phone might be verified again and again.