Filing a car insurance claim after an accident isn’t exactly anyone’s idea of a good time. But with a little prep and know-how, you can take a lot of the sting out of it.

Chantal Roberts is a veteran insurance pro with 25+ years of experience handling complex claims. She also trains other industry professionals. Roberts just shared some tips on Bankrate to help drivers have a more positive auto claim experience.

Know your car insurance policy before you need it

Crack open that policy before disaster strikes. Seriously, don’t wait until you’re standing next to a banged-up bumper to wonder what “exclusion” or “endorsement” means. If anything’s unclear, call your agent. They’re paid to help, not just mail you paperwork.

Take photos now so you can show proof later

Snap photos of your vehicle while it’s still in one piece. Think of it as an insurance selfie session. It makes proving its condition way easier when something goes sideways.

Tell the truth, the whole truth…

Stretching the truth or leaving out “minor” details? That’s a great way to turn a simple car insurance claim into a slow-moving headache. Just be accurate and honest. Your future self (and your adjuster) will thank you.

Receipts = rocket fuel

Keep records of repairs, upgrades, and even temporary fixes. The more proof you’ve got, the faster your claim can move forward. Think of it as building a paper trail your adjuster can sprint down.

Don’t be afraid to talk to your car insurance reps

If you’re confused about something, ask. Your adjuster isn’t a mind reader, but they are a resource. One extra car insurance question now can save you a dozen phone calls later.