Even a minor collision is unsettling, and it is easy to forget something important. Keeping a short checklist in mind, or in your glove box, helps you protect yourself and your claim. Rules vary by country and state, so check local requirements too.
1. Check for injuries and make the scene safe
Stop the car, turn on your hazard lights and check yourself and your passengers. If anyone is hurt, call emergency services right away (911 in the US, 112 in Europe). Do not move someone who is seriously injured unless they are in immediate danger.
If the accident is minor and the cars can be moved, many states require or recommend moving them out of traffic. Otherwise, stay in a safe place, away from moving vehicles.
2. Call the police when needed
In many places you must report an accident to the police if anyone is injured, if damage is above a certain amount, or if a driver leaves the scene. Even when it is not required, a police report can help your insurance claim. Never leave the scene of an accident in which you were involved before doing what the law requires.
3. Exchange information
Get the other driver’s name, phone number, address, driver’s license number, plate number, insurer and policy number. Note the make, model and color of every vehicle involved. Stay calm and polite, but do not admit fault or apologize in a way that could be read as an admission; let the insurers determine responsibility.
4. Document everything
Take photos of all vehicles from several angles, the damage, the plates, the road, traffic signs and weather conditions. Ask witnesses for their names and contact details. Write down the time, location and what happened while it is fresh in your mind.
5. Contact your insurer
Report the accident promptly, even if you think the other driver is at fault. Our guide to handling a car insurance claim explains what happens next. Keep all receipts for towing, rental cars and medical visits.
6. Look after yourself
Some injuries, like whiplash or concussion, do not show symptoms right away. See a doctor if you feel any pain or unusual symptoms in the following days. If the accident was serious or there are disputes about injuries, getting legal advice can help.
A small kit in the glove box (pen and paper, a printed copy of your insurance card, a disposable camera or simply your charged phone) makes these steps easier. To reduce the chance of being in this situation, see how to drive defensively, and make sure your insurance coverage fits your needs.
