Undoubtably, it is hard to think clearly after a car accident so it is important to know beforehand what to do first and what questions may need answered.
What’s the damage and are there any injuries?
Try to stay calm. There needs to be a calm person to determine the extent of damage and to if there are any injuries that need immediate medical attention.
Call the Police and file an accident report
Even in a minor accident it is important to make sure there is a legal accident report. Do not leave the scene until the police file a full report.
Discuss the car accident only with the Police
It is important to limit your discussion of the accident and not to admit any fault or liability. You should talk about the accident with the police and your insurance agent only.
Get the Details
It is extremely important to get names, address, and phone numbers of everyone involved in the accident including witness, if possible. A description of the car and license plate number can also be helpful, but make sure you also get their insurance company and the vehicle identification number (VIN) of their car. The camera on your mobile phone is very valuable at this time, use it if you can’t find paper or pen and to take pictures of the other vehicle’s damage as well. Don’t just assume the license plate number will do because most insurance companies only record the type of car and the vehicle identification number (VIN), not the license plate number.
Call Your Insurance Agent
Call your agent or insurance company’s 800-number immediately, even at the scene with the police if possible. This can save you a lot of time later waiting for your claim to be processed. Sometimes the police officer can give your insurance company more accurate information rather than information you may not be recording properly because you are upset.