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.