What should I do if I'm involved in an automobile accident?

• Safely stop your car and get help for the injured.
• Have someone call the police. Tell the police how many were injured and the types of injuries. The police can then notify the nearest medical unit.
• Give whatever help you can to the injured but avoid moving anyone so you don't aggravate the injury. Covering an injured person with a blanket and making a person comfortable usually is as much as you can do.
• Provide the police with whatever information they require.
• Do not lay blame or admit fault.
• Ask the investigating officer where you can obtain a copy of the Police Report. You will probably need it when you submit your claim to your insurance company.
• Try to protect the accident scene. Take reasonable steps to protect your car from further damage, such as setting up flares, getting the car off the road and calling a tow truck. If necessary, have the car towed to a repair shop. But remember, your insurance company will want to have an adjuster inspect your automobile and appraise the damage before you order repair work done.
• Make notes. Keep a pad and pencil in your glove compartment. Write down the names and addresses of all drivers and passengers involved in the accident. Also, write down the license number, make and model of each car involved; record the driver's license number and insurance identification. Record the names and addresses of as many witnesses as possible, as well as, the names and badge numbers of police officers or other emergency personnel. If you run into an unattended vehicle or object, try and find the owner. If you can't, leave a note containing your name, address and telephone number.
• Record the details of the accident.
• As soon as possible after the accident, telephone your insurance agent or company. Ask them how to proceed and what forms or documents will be needed to support your claim. Your company may require a "proof of loss" form, as well as, documents relating to your claim. For example, medical, automobile repair bills and a copy of the Police Report. Supply the information requested.
• Keep records of your expenses. Expenses you incur as a result of an automobile accident may be reimbursed under your policy. This could include medical and hospital expenses, lost wages, and at least part of your costs if you have to hire a temporary housekeeper.
• Keep copies of your paperwork. Store copies of all paperwork in your own files. You may need to refer to the copies later.