Stop, document, and call us before anything is repaired. Photograph the vehicle where it sits, and keep the repair order, the technician’s notes, the parts invoices, the key or valet log, and the camera footage before it overwrites. Note who moved the car last and why. Do not authorize repairs or promise a customer that you will cover it, because that can commit you ahead of the coverage decision. Tell the customer you are reporting it, and let us take the claim to the carrier from there.

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