Your fault not your fault, accidents happen. As much as we prepare, getting auto insurance, wearing our seat belt, taking a defensive driving course, we also need to be prepared for what to do on the scene when an accident happens to you.
Immediately stop your vehicle or do not move it from the place it has stopped.
As hard as it may be at this time, keep calm. The leg work you do at the scene will help you later in case of any disputes.
Check yourself and your passengers for injuries. Call the police immediately.
Check the other vehicle for injuries to report them as well if they have not or are unable to call.
Use a camera or your cell phone to take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs, etc.
Notify your insurance agent and/or your insurance company right away.
You should also be aware of things NOT TO DO
Do Not – Argue with other drivers and passengers. Give your statement to the police and your insurance company.
Do Not – Sign statements regarding fault or promises to pay for damage.
Do Not – Sign anything releasing the other party from further responsibility. Example: If another party offers to pay your deductible.
By releasing the other party, you jeopardize your insurance company’s right, which may lead to the company refusing to pay for damage to your car.