What are the factors considering when a insurance claim is given?

When you are submitting an insurance claim specially in Auto Insurance, you are to see that the First Information Report was duly taken from the Local Police Station regarding the incidence. Secondly, whether the Insurance Company was approached for sending their Inspector to inspect the vehicle regarding the extent of damage caused, photograph taken etc. The claim form should be properly filled in, incorporating all information as far as practicable for smooth settlement of the claim.