What's 'first notification of loss'?

You'll see "FNOL" — first notification of loss — mentioned in insurance paperwork. It's just insurer-speak for the first call you make to open a claim. You don't need to know the term.

📋What happens on that first call

• The handler takes the basics — what, when, where, who
• You get a claim reference number
• The claim is officially open from that point
• The clock starts on time-sensitive things — medical exam if anyone's injured, vehicle inspection, etc.