Unlikely to have a traffic accident? Don't panic. It is quite common.
How to lodge a claim? Give a call to the hotline of your insurance company. Most of them have a 24 hour service to guide you.
Don't wait until you have an accident. Give them a call now (i.e. a trial run). See if they can answer you - as if you had a real accident. If their service is poor, change your insurer.
And read this article for the other tips:
http://www.tankinlian.com/articles/traffic.html
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