No one plans to be involved in a motor vehicle accident, but you should think about what to do if the unexpected happens. Taking things step by step will get the situation dealt with as quickly and efficiently as possible. It makes sense to take some time to review your insurance policy to make sure that you understand what you are covered for and what your policy exclusions are.
After the collision, take stock to see if you or anyone in your vehicle is injured. It’s a good idea for all the occupants of the vehicle to go to the Emergency Room to get checked out.
Get the other driver’s contact information and be prepared to provide yours. You will need to know the other driver’s name, address and phone number, as well as the name of his or her insurance company.
Make note of whether there were any witnesses to what occurred at the time of the accident. If possible, get names and contact information from the witnesses in case they need to be contacted to make a statement about what they observed.
File an accident report with the local law enforcement agency and notify the insurance company as soon as possible following the incident. The insurance company’s adjuster will want to review the accident report to determine which driver was at fault before paying out on any claims.