Step 1: Ensure Safety & Check for Injuries. Move your vehicle to a safe spot if possible, or turn on your hazard lights. Check yourself and your passengers for injuries. If anyone is seriously hurt, call 911 immediately.
Step 2: Call the Police. Even for minor accidents, getting a police report is crucial. It creates an official record of the incident, which can be invaluable for insurance claims. They’ll assess the scene and gather important details.
Step 3: Exchange Information. Get the other driver’s name, contact info, insurance details, and license plate number. If there are witnesses, get their contact info too. Don't admit fault or apologize.
Step 4: Document the Scene. Take photos and videos of everything: vehicle damage, the accident scene, road conditions, traffic signs, and any visible injuries. The more evidence, the better.
Step 5: Seek Medical Attention. Even if you feel fine, see a doctor within 24-48 hours. Some injuries have delayed symptoms, and a medical record is essential for your claim.
Step 6: Notify Your Insurance Company. Let your insurer know about the accident. Remember, you don't have to give a recorded statement to the other driver's insurance company without legal advice. Early contact with an attorney can help ensure you understand your options and address insurance issues effectively.