According to the Labor Department the cost of automobile insurance over the past five years is more than double the 10.7% rise in consumer prices during the same time period. Yet, claim payments are at best just keeping up with inflation as per the Consumer Federation of America. Thus, even though the price of insurance is rising, you are not getting any more for your money so you want to make sure that your coverage pays off. The following are some tips to keep in mind should your car be damaged in an automobile accident. First, collect as much information at the accident scene as possible including other drivers’ information insurance, witness information along with photographs of the accident scene and vehicle damage. You can use your smartphone to record much of this information. Free apps such as WreckCheck can be very useful to collect all this data. Second, report your accident, even a minor incident, especially if it is not your fault. Many times