what is an example of a first notice of loss 
let s say you crash your car into a tree for your collision insurance to pay for the damage you ll need to first file a claim insurance companies offer several ways to file a claim which can vary by carrier regardless of how you make the initial contact about the accident and losses this first contact constitutes the fnol it s the first step in filing a claim if the policy covers the loss the fnol will start the process for receiving an insurance settlement payment 11