STOP immediately and move only if it is safe to do so.
Call the police. In some areas, police authorities may respond to every accident scene. They may consider factors such as the severity and location of the accident (some police authorities will not come to the scene if the accident is on private property). However, you should attempt to notify the police. You should be aware that most insurance policies require notification to the police within a specified time to receive insurance coverage
Obtain names, addresses, telephone numbers, and drivers license numbers from all drivers.
Obtain license plate(s) and vehicle identification numbers, ask to see drivers license(s) and vehicle registration(s) to verify the information is accurate.
Obtain names, addresses and telephone numbers of other passengers and any witnesses
If you have a camera or a cellphone, take photographs of the damage, and the accident scene (traffic controls, visual obstacles)
If the owner of a damaged car or damaged property cannot be located, leave a note with the names and addresses of the driver and owners of the involved cars.
Notify your agent and/or your insurance company immediately.
Things to Avoid
Do not argue with other drivers and passengers
Save your story for the police and your insurance company
Do not sign statements regarding fault or promise to pay for the other party's damages
If the other party offers to pay your deductible, do not sign anything
You must show your drivers licenses, vehicle registration card, evidence of financial responsibility, and current address to other driver or persons involved, or to a peace officer
To learn about making a personal injury claim click here.
