The short version
- Safety first: check people and get out of traffic if you can.
- Collect names, plates and photos, and avoid arguing about fault.
- Contact your insurer promptly, and call 911 if anyone is hurt.
At the scene
- Check everyone for injuries and call 911 if anyone is hurt.
- Move to a safe place if the cars can be driven.
- Turn on hazard lights.
What to collect
- Names and contact details of the other driver and any witnesses.
- License plate numbers and insurance information.
- Photos of the cars, the road and any signs.
- The location and time.
What to avoid
Keep the conversation factual. Avoid blaming anyone or guessing about injuries. Let the insurers and, where needed, police sort out responsibility.
Afterwards
Contact your insurer to report the claim, and keep a folder with photos, receipts and notes. Rules about police reports differ by state, so check yours.
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