Check on yourself for injuries, then check your passengers and the motorists in the other vehicles involved in the collision. If anyone is seriously injured, call 911 immediately.
Moving your vehicle out of the path of oncoming traffic can help prevent further collisions. Turning on your lights can warn other motorists of your stopped vehicle.
If you or a passenger is seriously injured, wait in a safe location for emergency responders to arrive. Do not try to move someone who appears to have a neck or back injury or who is unconscious.
Get the name, address, phone number, driver’s license number, insurance company, policy number, and vehicle identification number of the other motorist, and provide them with the same information. If the driver has a different name than that listed on the insurance, ask what their relationship is to the insurance policy holder and ask for that person’s the name, address, and phone number.
Make sure the other motorists are okay and exchange information with them, but don’t discuss the collision further. The other driver’s insurance company could try to use anything you said after the accident against you to avoid paying out your claim.
Use your camera to take multiple pictures of the damage to your vehicle and the other vehicles involved. You may also want to take a video of the scene of the accident. Write down the make, year, color, and license plate number of any vehicle involved in the collision.
If there were any witnesses to the accident, get their contact information so that they can verify your side of the story if the other driver tries to dispute what happened.
Explain to your agent what happened and ask what you need to do next. Your agent may also instruct you to file an accident report.
Hold on to any receipts or bills from doctor visits, prescriptions, and auto repair shops. Also keep track of the dates of your medical appointments and the doctor’s diagnosis of your injuries.
If your case is complicated or you have not been receiving proper attention and help from your insurance agent, hiring an attorney could be beneficial. Your attorney can protect you from being taken advantage of and help you seek maximum compensation for your injuries and property losses.
If the other insurance company calls or emails you to discuss the accident, do not respond to them until you have spoken with your insurance agent or attorney. Your agent and attorney can advise you of what to say and who to speak with.
Insurance companies will often offer a low settlement early on, hoping that you will accept it without realizing your options. Your agent and attorney can evaluate your losses to determine an appropriate settlement and then negotiate for the best offer.