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What to Do if You're in an Auto Accident

Nearly 34 million auto accidents occur annually in the U.S., and no matter how skilled of a driver you may be, it could happen to you. According to statistics by the National Safety Council, 1 in 8 licensed drivers is involved in an automobile accident each year.

If you are involved in an accident, remain calm and follow these tips.

  • Stop your vehicle and, if necessary, move it to a safe position near the location of the accident. The law requires that you stop at the accident scene. Failure to do so could result in a traffic ticket or a warrant for your arrest. 
  • Call a towing company to move your vehicle if your vehicle isn't drivable. Get the name, address, and phone number of the towing company.
  • Check all involved parties for injuries. Everyone who can walk should move to a safe location. If necessary, call 911 for medical assistance.
  • Exchange information with all parties involved in the accident, making sure it includes:
    • Name
    • Address
    • Phone number
    • Auto insurance company name and phone number
    • Policy number
    • Driver's license number
    • License plate number
    • Year, make, model and color of car
  • Identify any witnesses to the accident and gather their contact information.
  • Contact the police. The police will advise you if their response to the scene is necessary. Request that the police respond if the accident involves a hit and run, if there are injuries to people, or if it is apparent that liability will be disputed. 
    If police are present at the scene of the accident, get the police officer's name, phone number and the police report number.
    If police do not respond to the scene, go to the nearest police station and fill out an accident report.
  • Do not admit fault. Give details of the accident and cooperate with the police in providing answers to their questions.
  • Take photos of the damage to the vehicle(s), accident scene and people involved, if you have a camera in your possession.
  • Report the accident to your insurance carrier as soon as you can. Having the following information will be helpful:
    • Date and time of the accident
    • The direction and speed you and the other driver(s) were going
    • How the accident occurred
    • Name and information of the parties and witnesses involved
    • If anyone was injured in the car accident
    • Where and what damage was done to your car
    • Police report number

If you have any questions, please contact us.

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Carriers represented by Virginia CU Insurance Services

  • The Hartford
  • Zurich
  • General Automobile Insurance
  • My Term Insurance 


Virginia CU Insurance Services, LLC
Ph: (866) 342-9334
PO Box 90010
Richmond , VA 23225 US
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