Car accidents, even minor ones, can be very unsettling to both drivers. Know in advance what to do in the event of an accident. Your primary concerns should be the safety and well-being of all parties, and taking steps to protect your interests in the aftermath. Here are a few steps that will help you respond appropriately.
Safety First
If anyone involved in the accident sustained injuries, call 911 immediately. Don’t try to move someone with injuries or allow yourself to be moved. Paramedics can determine the extent of injuries and move victims without causing more harm to the victim. Leave the vehicles where they are if there were injuries or the physical damage to the vehicles was extensive. Otherwise, move the cars off the road to a safe place. Be careful when exiting the vehicle, doing so on the side away from traffic.
For the Record
Call the police to report the incident. In some areas, the police respond only to serious accidents, so give them the basic facts and ask for instructions. Whether the policy of local police is to respond or not, you will need to exchange information with the driver of the other vehicle. Get their name, address and phone numbers, insurance information and license plate number. Provide your information as well.
Take pictures of both cars and any other evidence you can, such as skid marks or rubble from the damage. Use the camera from your cell phone if you have one. Alternatively, some drivers buy a disposable camera and keep in the glove compartment specifically for this purpose.
What To Avoid
When speaking to the police and to the other driver and/or passengers, cite only the facts. Do not admit or imply guilt, by apologizing, for example. The shock and anxiety people often experience following a collision, even a minor one, color your perspective, and it’s not uncommon for drivers to feel it was their fault in the immediate aftermath of an accident, even when it wasn’t. This is important, because in many states, liability is decided under a system called comparative negligence. This system recognizes that in a lot of cases, both parties had at least some responsibility for the accident. Admitting guilt at the scene could affect how much liability you are later assigned.
After the Fact
Call your insurance company as soon as possible after the accident to report the facts. They will need to know when and where the incident occurred and the other driver’s information. They will also ask if a police report was filed and whether any injuries occurred. Don’t offer any additional information. Then, if you feel there is a need, you can contact an attorney, who can advise you whether any additional steps are needed to protect your interests further.
