- Call the police and cooperate with them, and any other emergency personnel
- Get the name, phone number and license plate number (if possible) of the other driver and any potential witnesses;
- If possible, take pictures of the damage to BOTH vehicles, as well as the scene in general;
- Report the claim to your insurance company, but do not give a recorded statement;
- Be honest;
- When the other driver’s insurance company contacts you (and they will), talk about the property damage to your car ONLY;
- Do not discuss any injuries;
- If you are in pain, at all, go to the emergency room;
- Go even if you only feel the need the day after the wreck;
- Move your vehicle or leave the scene until instructed;
- Discuss fault- it can be used against you later;
- Lose your cool;
- Stay calm!
- Give anything in writing to the insurance company, whether you’re own or the other party’s, if you do not understand any part of your policy or claim.
- You can give your company a recorded statement after you have a better idea as to your medical condition;
- Do not give anything recorded to the other insurance company;
- Don’t sign any document that is a release or a waiver of any kind.
- If you are not sure about what you are being asked to sign, consult an attorney for help.
THE GOAL OF THESE INSTURCTIONS IS TO MAKE SURE YOU’RE ADEQUATELY PROTECTED, BOTH FROM YOURSELF AND THE INSURANCE COMPANY, AFTER A WRECK THAT IS NOT YOUR FAULT