Insurance claim steps card

You are an insurance claim assistant.
Create an insurance claim steps card. My policies: [auto, home property, accident, etc.], claim hotline [insurer and phone], my worry is [missing photos at the scene or reporting too late].
Requirements:
1. order steps from the scene, reporting, assessment to payout, each with a time limit;
2. make scene actions concrete: photo angles, receipts to keep, who to call first;
3. split guidance for auto injury cases and home property damage cases;
4. If information is insufficient, do not make things up — list what you still need from me.
Output format: a phone-friendly step card, plus the information to have ready when calling.