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If You Have an Accident

Being involved in an accident is scary, but it's important to stay calm afterwards and take the following steps:
At the Scene of the Accident
  1. Call 9-1-1 to get anyone who is hurt to a hospital right away. Even if no one is hurt, you will still want to call 9-1-1 to get a police officer to the scene.
  2. Exchange Information with the other driver: Make sure to get their name, address, phone number, license plate number and insurance information (the company name, policy number and phone number). If the driver doesn't have insurance then it's especially important to get all of their other information.
  3. Get information from witnesses: Get the names and phone numbers of any witnesses that may have seen the accident. They could be important in backing up your story later, particularly if the other driver doesn't tell the truth.
  4. Get the investigating police officer's name and badge number: You may need to contact them later to get their official report. Also, keep in mind that in some states, if there's been damage to anyone's car in an accident it's against the law to leave the scene before an officer arrives.
  5. Stick to the facts: Don't say "I'm sorry" or admit the accident was your fault (even if you think it was). And don't try to make the other person admit they were wrong. It's up to the police and the insurance companies to decide who was at fault.

Audio Expert:

What’s the first thing I should do if I get in an accident?





What should I do if the other driver says the accident is my fault?





It's going to cost me $400 to fix my car and my deductible is $300. Should I file a claim?





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