Most drivers make costly long term decision errors immediately
following an accident as fear gives way to anger and frustration. Questions
race through your head faster than the mind can register them. Is everyone
OK? Who was at fault? Will my car ever be right again? What are my rights
A calm and informed reaction to an accident will reduce your chances for
additional grief and expense.
Make sure to print out a copy of our complementary "Accident Information" form
and keep it in your car with other important documents.
Accident Information Form
- Move your vehicle to a safe place, then stop and identify yourself to the other driver (some local statutes may require the vehicle be left as is). If it can't be moved, turn on the hazard lights.
- Seek medical help if you or other parties require it, and notify the police. Tell them who you are, where you are and any obvious or claimed injuries.
- Exchange information with the other driver(s),
including driver's license numbers, the driver's name, address, telephone
numbers and name of insurance company. Also, list any passengers and
- Get names and badge numbers of any police officers who arrive at the scene. If there are injuries or extensive damage, the police should file a report. Ask to get a copy.
- Avoid any extensive discussions at the scene about
who is responsible for damage. If the other person admits responsibility,
offers a money settlement and you accept, any future claim against the
driver may be compromised. You or the other party may later find damage
and bodily injury not apparent at first.
- Write a complete description of the accident as soon as possible. Include weather conditions, estimated speeds and as much precise information as you can observe.
- Take photographs if a camera or cell camera phone is available.
- Have the vehicle towed or driven to a collision
repair facility of your choice.
- N otify your insurance company of the accident
as soon as possible.