If you are in an accident or suffered a loss you need to report it to insurance company as soon as possible. In most cases it doesn’t have to be on the same date of an accident but it should be reported as soon as it is practically possible.
To make a claim you would need to contact insurance company directly (not your broker). Claims information is usually found on your insurance ID card (for auto insurance policies) or on your insurance documents that you received from insurance company when you purchased your insurance policy.
If you can’t find the documents, simply Google it.