1. Safety First
If it’s possible, move your vehicle out of harm's way and turn on the hazard flashers. Surround your car with warning triangles or flares if you have them. Then get out of the car and stand a safe distance away while you talk to other drivers or wait for help.
2. Are You Injured?
Check yourself and others involved to make sure no one is hurt. Some injuries may delay their effects, so check often over time. Even a fender bender might have caused an injury that's not noticeable right away. Small things like dizziness, nausea, and trouble focusing may be a sign someone is injured more than they appear. Call for medical help if there is any doubt.
3. Call The Authorities
Call 9-1-1! Especially if there has been substantial damage and anyone is injured or acting confrontational. When the police arrive, ask for the investigating officer's name, contact information, and for the accident report number so you can follow up.
4. Exchange Information
Obtain the name, address, phone number, drivers license number, plate number, and insurance information of any other drivers involved in the accident. Also record names of anyone with injuries and witnesses. Don’t argue over who is at fault, and don’t admit blame.
5. Record The Scene
If possible, take photos of the scene (a cell-phone camera can come in handy) or draw a diagram showing the positions of all involved vehicles. Contact your insurer right away.