Claims Reporting & Info
Suggestion: Print this page and keep it in the glove box of your car.
What to Do in an Accident
DISCLAIMER: The statements are general and individual facts in any given situation may alter their application or involve other laws not referred to here.
- STOP - Never leave the scene of an accident in which you or your car is involved. Stop your car in a safe and visible place. Warn other motorists by turning on your vehicle's flashers or other reflective devices.
- ASSIST INJURED - Check for injured persons and give assistance. Call 911 immediately and report any injuries.
- NOTIFY AUTHORITIES - Call the police immediately to report any accident, no matter how small, which results in personal injury or vehicle damage. Notify the police as to any medical assistance that may be needed or any vehicle that is not drivable. You should cooperate with the police and answer questions about what occurred.
- GET INFORMATION - DO'S AND DON'TS
- Write down driver's license number, license plate number, and state.
- Get the insurance company name and policy number plus make, model, year and description of vehicle.
- Record the name, address and telephone numbers of the driver and registered owner.
- Write down the name and address of all passengers, injured persons or anyone with property damage.
- Get the name and contact information for at least two witnesses if possible.
- Do not agree to forget about a minor accident.
- Write down the names and badge numbers of police and emergency personnel at the scene.
- Ask the officer how to obtain a copy of the police report for your insurance claim.
- You may be required to show proof of insurance, but do not reveal how much coverage you have.
- Do not accept any money the other driver may offer. By accepting money, you may give up your right and the insurance company's right to file a claim against the other driver, even if the damages turn out to be more extensive than you first thought.
- Do not accept responsibility or otherwise discuss the accident with anyone except police authorities and your insurance agent.
- GET MEDICAL ATTENTION - You could be injured and not know it right away. At least call your doctor or another health care provider for help in deciding what your needs may be. If there is the slightest chance you may be injured, see a doctor.
- REPORT THE ACCIDENT - Report the accident to your insurance company promptly, even if you were not at fault and the police took a report at the scene. Be sure to save copies of all documents relating to the incident. In most states you should report the accident to the DMV within 10 days, if someone was injured or killed or if total damages exceeded $750.