Call the Police. Insist on a police investigation. A Police Report will assist in evaluating and determining who is at fault. Without such an investigation liability may be disputed later.
Exchange Information. Before you leave the scene of the accident, you should obtain the following information: (1) Other driver’s name, address, phone number, vehicle license number, driver’s license number, name of insurance company and policy number; (2) Passenger’s name, address, and phone number; (3) Witnesses’ names, addresses, and phone numbers; (4) Owner’s (if not the driver) name, address, phone number, name of insurance company and the policy number.
Do Not Admit Responsibility. When you exchange information with the other driver and the police, do not admit responsibility for the accident. You may think that you were responsible for the accident and later learn that the other driver was responsible or that both drivers were equally at fault. Remember that statements made at the scene of the accident may be admissible into evidence should your matter proceed to court.
Contact Your Insurance Agent. Call your insurance agent as soon as possible after an accident. Your insurance company may have grounds to deny coverage if you fail to give prompt notice of the accident. Follow up the phone call with a written notice and save a copy for your files. If the other insurance company contacts you be certain not to sign any release/authorization forms or give a recorded/written statements to them until you have consulted with legal counsel.
See Your Doctor. If you experience any pain or discomfort following an accident you should see your doctor immediately. Clearly explain to your doctor that your injuries were the result of an automobile accident. It is important to follow up with any treatment your doctor recommends.
Photographs. Photographs are important! Obtain photographs depicting the damage to your vehicle, the other