If you’re involved in a car accident, take a deep breath and start by making sure everyone is OK. If in doubt, call 911 for an ambulance. Even if it’s only a minor fender-bender, you’ll want to call police to report the accident.
While you wait for help to arrive, make sure you and your passengers are in a safe place. Use your vehicle’s hazard lights to help other motorists see you. When it’s safe to do so, document the facts about the accident, noting how many people and vehicles were involved as well as specific damages or even weather-related conditions. Call your insurance company as time allows.
It’s a good idea to discuss the particulars of the accident only with a police officer and your insurance company and/or agent. Avoid talking about the accident, especially right after the accident. The minutes and hours after a car accident can be an emotional time and you may not be thinking clearly. That’s why even if you feel like the accident is your fault, refrain from telling anyone you’re responsible. Let the authorities and your insurance company sort through the facts.